Call reports 2014
COMMERCIAL STATE BANK — 2014
What COMMERCIAL STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 526,581,000 | 542,116,000 | 541,351,000 | 565,913,000 |
| Total loans | 345,947,000 | 358,659,000 | 356,974,000 | 353,532,000 |
| Allowance for loan losses | 4,890,000 | 5,347,000 | 5,906,000 | 5,007,000 |
| Securities available for sale | 30,694,000 | 32,918,000 | 40,188,000 | 40,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,483,000 | 492,709,000 | 490,243,000 | 513,511,000 |
| Interest-bearing deposits | 297,533,000 | 305,617,000 | 293,626,000 | 302,839,000 |
| Noninterest-bearing deposits | 180,950,000 | 187,092,000 | 196,617,000 | 210,672,000 |
| Equity capital | 46,872,000 | 47,864,000 | 49,243,000 | 51,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,411,000 | 13,041,000 | 19,502,000 | 26,342,000 |
| Interest expense | 491,000 | 1,040,000 | 1,592,000 | 2,181,000 |
| Net interest income | 5,920,000 | 12,001,000 | 17,910,000 | 24,161,000 |
| Noninterest income | 757,000 | 1,840,000 | 2,765,000 | 3,438,000 |
| Noninterest expense | 3,767,000 | 7,658,000 | 11,606,000 | 15,428,000 |
| Provision for loan losses | 1,000,000 | 1,750,000 | 2,250,000 | 2,400,000 |
| Pretax income | 1,910,000 | 4,433,000 | 6,819,000 | 9,771,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,910,000 | 4,433,000 | 6,819,000 | 9,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,195,000 | 47,230,000 | 48,564,000 | 50,507,000 |
| Total capital | 50,889,000 | 52,081,000 | 53,386,000 | 55,269,000 |
| Risk-weighted assets | 375,299,000 | 387,553,000 | 384,699,000 | 380,707,000 |
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