Call reports 2017
COMMERCIAL STATE BANK — 2017
What COMMERCIAL STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 108,468,000 | 107,182,000 | 104,587,000 | 106,398,000 |
| Total loans | 82,980,000 | 86,077,000 | 88,480,000 | 90,397,000 |
| Allowance for loan losses | 941,000 | 883,000 | 938,000 | 1,031,000 |
| Securities available for sale | 2,409,000 | 2,696,000 | 2,675,000 | 2,577,000 |
| Securities held to maturity | 1,750,000 | 2,257,000 | 2,256,000 | 2,308,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,377,000 | 94,926,000 | 92,000,000 | 93,707,000 |
| Interest-bearing deposits | 79,575,000 | 78,326,000 | 78,369,000 | 78,700,000 |
| Noninterest-bearing deposits | 16,802,000 | 16,600,000 | 13,631,000 | 15,007,000 |
| Equity capital | 10,790,000 | 10,900,000 | 11,135,000 | 11,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,082,000 | 2,238,000 | 3,441,000 | 4,658,000 |
| Interest expense | 148,000 | 303,000 | 462,000 | 629,000 |
| Net interest income | 934,000 | 1,935,000 | 2,979,000 | 4,029,000 |
| Noninterest income | 155,000 | 296,000 | 427,000 | 570,000 |
| Noninterest expense | 738,000 | 1,453,000 | 2,179,000 | 2,898,000 |
| Provision for loan losses | 60,000 | 125,000 | 200,000 | 275,000 |
| Pretax income | 291,000 | 655,000 | 1,027,000 | 1,429,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 44,000 |
| Net income | 283,000 | 635,000 | 997,000 | 1,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,790,000 | 10,900,000 | 11,135,000 | 11,500,000 |
| Total capital | 11,731,000 | 11,783,000 | 12,073,000 | 12,531,000 |
| Risk-weighted assets | 88,574,000 | 91,692,000 | 93,784,000 | 95,739,000 |