Call reports 2019
COMMERCIAL STATE BANK — 2019
What COMMERCIAL STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 127,616,000 | 125,220,000 | 129,202,000 | 132,601,000 |
| Total loans | 103,558,000 | 109,410,000 | 111,054,000 | 111,837,000 |
| Allowance for loan losses | 1,299,000 | 1,372,000 | 1,422,000 | 1,378,000 |
| Securities available for sale | 2,535,000 | 2,547,000 | 2,338,000 | 2,161,000 |
| Securities held to maturity | 2,117,000 | 1,866,000 | 2,065,000 | 2,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,765,000 | 108,678,000 | 113,676,000 | 116,894,000 |
| Interest-bearing deposits | 98,450,000 | 93,877,000 | 98,806,000 | 101,378,000 |
| Noninterest-bearing deposits | 15,315,000 | 14,802,000 | 14,870,000 | 15,516,000 |
| Equity capital | 12,381,000 | 12,525,000 | 12,881,000 | 13,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,474,000 | 3,043,000 | 4,676,000 | 6,317,000 |
| Interest expense | 342,000 | 694,000 | 1,089,000 | 1,489,000 |
| Net interest income | 1,132,000 | 2,349,000 | 3,587,000 | 4,828,000 |
| Noninterest income | 136,000 | 263,000 | 408,000 | 564,000 |
| Noninterest expense | 847,000 | 1,676,000 | 2,468,000 | 3,340,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 346,000 | 786,000 | 1,302,000 | 1,754,000 |
| Income tax | 12,000 | 26,000 | 40,000 | 53,000 |
| Net income | 334,000 | 760,000 | 1,262,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,393,000 | 12,515,000 | 12,866,000 | 13,304,000 |
| Total capital | 13,692,000 | 13,887,000 | 14,288,000 | 14,682,000 |
| Risk-weighted assets | 107,874,000 | 113,658,000 | 114,640,000 | 115,868,000 |