Call reports 2016
COMMERCIAL STATE BANK — 2016
What COMMERCIAL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 95,754,000 | 96,495,000 | 98,130,000 | 101,824,000 |
| Total loans | 81,617,000 | 83,107,000 | 83,953,000 | 84,328,000 |
| Allowance for loan losses | 872,000 | 862,000 | 916,000 | 932,000 |
| Securities available for sale | 1,880,000 | 1,844,000 | 1,556,000 | 2,358,000 |
| Securities held to maturity | 2,225,000 | 1,922,000 | 1,875,000 | 1,627,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,825,000 | 85,077,000 | 86,371,000 | 90,047,000 |
| Interest-bearing deposits | 69,878,000 | 71,212,000 | 74,645,000 | 76,339,000 |
| Noninterest-bearing deposits | 14,947,000 | 13,865,000 | 11,727,000 | 13,708,000 |
| Equity capital | 10,108,000 | 10,159,000 | 10,375,000 | 10,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,051,000 | 2,117,000 | 3,202,000 | 4,284,000 |
| Interest expense | 131,000 | 264,000 | 406,000 | 556,000 |
| Net interest income | 920,000 | 1,853,000 | 2,796,000 | 3,728,000 |
| Noninterest income | 130,000 | 278,000 | 492,000 | 644,000 |
| Noninterest expense | 744,000 | 1,472,000 | 2,230,000 | 2,987,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 200,000 |
| Pretax income | 261,000 | 569,000 | 918,000 | 1,185,000 |
| Income tax | 9,000 | 19,000 | 28,000 | 41,000 |
| Net income | 252,000 | 550,000 | 890,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,108,000 | 10,159,000 | 10,375,000 | 10,614,000 |
| Total capital | 10,980,000 | 11,021,000 | 11,291,000 | 11,546,000 |
| Risk-weighted assets | 92,881,000 | 89,422,000 | 89,739,000 | 89,938,000 |