Call reports 2013
COMMERCIAL STATE BANK — 2013
What COMMERCIAL STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 477,031,000 | 474,265,000 | 482,969,000 | 487,608,000 |
| Total loans | 314,552,000 | 335,183,000 | 337,449,000 | 350,218,000 |
| Allowance for loan losses | 3,628,000 | 4,843,000 | 3,991,000 | 4,199,000 |
| Securities available for sale | 28,350,000 | 29,517,000 | 29,450,000 | 29,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,136,000 | 430,545,000 | 437,364,000 | 440,916,000 |
| Interest-bearing deposits | 268,360,000 | 269,716,000 | 277,312,000 | 276,062,000 |
| Noninterest-bearing deposits | 164,776,000 | 160,829,000 | 160,052,000 | 164,854,000 |
| Equity capital | 42,786,000 | 42,444,000 | 44,108,000 | 45,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,700,000 | 11,710,000 | 18,437,000 | 25,135,000 |
| Interest expense | 465,000 | 928,000 | 1,400,000 | 1,872,000 |
| Net interest income | 5,235,000 | 10,782,000 | 17,037,000 | 23,263,000 |
| Noninterest income | 640,000 | 1,447,000 | 2,183,000 | 2,913,000 |
| Noninterest expense | 3,451,000 | 7,084,000 | 10,894,000 | 14,569,000 |
| Provision for loan losses | 600,000 | 800,000 | 800,000 | 1,400,000 |
| Pretax income | 1,824,000 | 4,345,000 | 7,526,000 | 10,207,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,824,000 | 4,345,000 | 7,526,000 | 10,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,339,000 | 42,182,000 | 43,815,000 | 45,556,000 |
| Total capital | 44,967,000 | 46,639,000 | 47,806,000 | 49,755,000 |
| Risk-weighted assets | 339,815,000 | 356,225,000 | 363,900,000 | 377,414,000 |