Call reports 2018
COMMERCIAL STATE BANK — 2018
What COMMERCIAL STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 108,031,000 | 109,025,000 | 112,699,000 | 124,309,000 |
| Total loans | 90,406,000 | 93,631,000 | 97,279,000 | 101,613,000 |
| Allowance for loan losses | 1,100,000 | 1,158,000 | 1,204,000 | 1,226,000 |
| Securities available for sale | 2,530,000 | 2,505,000 | 2,234,000 | 2,197,000 |
| Securities held to maturity | 2,306,000 | 2,304,000 | 2,102,000 | 2,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,085,000 | 95,987,000 | 98,277,000 | 110,852,000 |
| Interest-bearing deposits | 79,191,000 | 81,261,000 | 84,936,000 | 95,715,000 |
| Noninterest-bearing deposits | 15,894,000 | 14,726,000 | 13,341,000 | 15,137,000 |
| Equity capital | 11,623,000 | 11,620,000 | 11,866,000 | 12,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,208,000 | 2,468,000 | 3,801,000 | 5,219,000 |
| Interest expense | 168,000 | 361,000 | 594,000 | 892,000 |
| Net interest income | 1,040,000 | 2,107,000 | 3,207,000 | 4,327,000 |
| Noninterest income | 98,000 | 235,000 | 396,000 | 506,000 |
| Noninterest expense | 775,000 | 1,591,000 | 2,395,000 | 3,223,000 |
| Provision for loan losses | 75,000 | 150,000 | 195,000 | 270,000 |
| Pretax income | 288,000 | 601,000 | 1,013,000 | 1,340,000 |
| Income tax | 11,000 | 22,000 | 33,000 | 46,000 |
| Net income | 277,000 | 579,000 | 980,000 | 1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,623,000 | 11,648,000 | 11,897,000 | 12,211,000 |
| Total capital | 12,723,000 | 12,806,000 | 13,101,000 | 13,437,000 |
| Risk-weighted assets | 95,485,000 | 100,023,000 | 102,607,000 | 106,995,000 |