Call reports 2012
COMMERCIAL STATE BANK — 2012
What COMMERCIAL STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 449,538,000 | 455,361,000 | 466,955,000 | 477,652,000 |
| Total loans | 269,519,000 | 301,338,000 | 308,401,000 | 301,599,000 |
| Allowance for loan losses | 3,801,000 | 4,000,000 | 3,151,000 | 3,098,000 |
| Securities available for sale | 35,513,000 | 31,398,000 | 28,088,000 | 33,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,888,000 | 414,558,000 | 424,673,000 | 434,927,000 |
| Interest-bearing deposits | 260,034,000 | 261,205,000 | 261,149,000 | 263,406,000 |
| Noninterest-bearing deposits | 149,854,000 | 153,353,000 | 163,524,000 | 171,521,000 |
| Equity capital | 38,793,000 | 39,644,000 | 40,953,000 | 41,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,300,000 | 10,983,000 | 17,106,000 | 22,855,000 |
| Interest expense | 535,000 | 1,062,000 | 1,566,000 | 2,050,000 |
| Net interest income | 4,765,000 | 9,921,000 | 15,540,000 | 20,805,000 |
| Noninterest income | 596,000 | 1,275,000 | 1,909,000 | 2,619,000 |
| Noninterest expense | 3,296,000 | 6,873,000 | 10,552,000 | 13,875,000 |
| Provision for loan losses | 620,000 | 1,420,000 | 2,070,000 | 2,800,000 |
| Pretax income | 1,445,000 | 2,903,000 | 4,827,000 | 6,749,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,445,000 | 2,903,000 | 4,827,000 | 6,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,392,000 | 37,955,000 | 39,198,000 | 40,299,000 |
| Total capital | 41,193,000 | 41,955,000 | 42,349,000 | 43,397,000 |
| Risk-weighted assets | 310,964,000 | 333,632,000 | 339,840,000 | 331,872,000 |