Call reports 2015
COMMERCIAL STATE BANK — 2015
What COMMERCIAL STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 91,173,000 | 92,426,000 | 94,048,000 | 99,408,000 |
| Total loans | 73,469,000 | 75,461,000 | 79,060,000 | 81,365,000 |
| Allowance for loan losses | 921,000 | 940,000 | 965,000 | 863,000 |
| Securities available for sale | 2,554,000 | 2,260,000 | 1,905,000 | 1,718,000 |
| Securities held to maturity | 3,807,000 | 3,464,000 | 3,361,000 | 2,578,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,622,000 | 77,738,000 | 77,542,000 | 83,155,000 |
| Interest-bearing deposits | 64,420,000 | 66,874,000 | 67,167,000 | 68,381,000 |
| Noninterest-bearing deposits | 12,202,000 | 10,864,000 | 10,375,000 | 14,774,000 |
| Equity capital | 9,442,000 | 9,493,000 | 9,709,000 | 9,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 990,000 | 2,010,000 | 3,054,000 | 4,127,000 |
| Interest expense | 110,000 | 223,000 | 344,000 | 473,000 |
| Net interest income | 880,000 | 1,787,000 | 2,710,000 | 3,654,000 |
| Noninterest income | 113,000 | 241,000 | 369,000 | 477,000 |
| Noninterest expense | 664,000 | 1,360,000 | 2,041,000 | 2,758,000 |
| Provision for loan losses | 5,000 | 20,000 | 35,000 | 60,000 |
| Pretax income | 324,000 | 648,000 | 1,003,000 | 1,313,000 |
| Income tax | 9,000 | 17,000 | 26,000 | 37,000 |
| Net income | 315,000 | 631,000 | 977,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,417,000 | 9,493,000 | 9,709,000 | 9,981,000 |
| Total capital | 10,338,000 | 10,433,000 | 10,674,000 | 10,844,000 |
| Risk-weighted assets | 88,399,000 | 87,898,000 | 91,070,000 | 92,642,000 |