Call reports 2014
COMMERCIAL STATE BANK — 2014
What COMMERCIAL STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 84,329,000 | 82,731,000 | 83,697,000 | 91,375,000 |
| Total loans | 63,726,000 | 65,098,000 | 66,979,000 | 73,853,000 |
| Allowance for loan losses | 877,000 | 908,000 | 936,000 | 924,000 |
| Securities available for sale | 3,631,000 | 4,406,000 | 3,105,000 | 2,609,000 |
| Securities held to maturity | 4,247,000 | 4,144,000 | 3,937,000 | 3,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,629,000 | 72,962,000 | 72,994,000 | 74,986,000 |
| Interest-bearing deposits | 61,960,000 | 62,586,000 | 63,471,000 | 61,818,000 |
| Noninterest-bearing deposits | 12,669,000 | 10,376,000 | 9,523,000 | 13,168,000 |
| Equity capital | 8,990,000 | 8,977,000 | 9,066,000 | 9,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 938,000 | 1,887,000 | 2,847,000 | 3,839,000 |
| Interest expense | 115,000 | 225,000 | 335,000 | 446,000 |
| Net interest income | 823,000 | 1,662,000 | 2,512,000 | 3,393,000 |
| Noninterest income | 90,000 | 181,000 | 293,000 | 232,000 |
| Noninterest expense | 667,000 | 1,356,000 | 2,049,000 | 2,682,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 216,000 | 431,000 | 703,000 | 890,000 |
| Income tax | 8,000 | 16,000 | 25,000 | 35,000 |
| Net income | 208,000 | 415,000 | 678,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,966,000 | 8,918,000 | 9,053,000 | 9,230,000 |
| Total capital | 9,843,000 | 9,826,000 | 9,989,000 | 10,154,000 |
| Risk-weighted assets | 72,508,000 | 73,676,000 | 75,042,000 | 82,009,000 |
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