Call reports 2015
COMMERCIAL STATE BANK — 2015
What COMMERCIAL STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 576,394,000 | 521,259,000 | 536,954,000 | 507,038,000 |
| Total loans | 342,606,000 | 343,509,000 | 362,934,000 | 357,219,000 |
| Allowance for loan losses | 5,647,000 | 5,956,000 | 6,470,000 | 5,663,000 |
| Securities available for sale | 45,593,000 | 52,275,000 | 49,820,000 | 52,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 522,539,000 | 467,031,000 | 481,437,000 | 451,376,000 |
| Interest-bearing deposits | 305,084,000 | 282,386,000 | 288,439,000 | 274,924,000 |
| Noninterest-bearing deposits | 217,455,000 | 184,645,000 | 192,998,000 | 176,452,000 |
| Equity capital | 52,336,000 | 52,432,000 | 53,369,000 | 54,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,210,000 | 12,328,000 | 18,803,000 | 25,023,000 |
| Interest expense | 543,000 | 1,047,000 | 1,555,000 | 2,071,000 |
| Net interest income | 5,667,000 | 11,281,000 | 17,248,000 | 22,952,000 |
| Noninterest income | 703,000 | 1,419,000 | 2,285,000 | 3,022,000 |
| Noninterest expense | 3,769,000 | 7,613,000 | 11,600,000 | 15,343,000 |
| Provision for loan losses | 650,000 | 950,000 | 1,450,000 | 2,300,000 |
| Pretax income | 1,951,000 | 4,137,000 | 6,483,000 | 8,331,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,951,000 | 4,137,000 | 6,483,000 | 8,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,283,000 | 51,390,000 | 52,013,000 | 52,998,000 |
| Total capital | 56,049,000 | 56,105,000 | 56,926,000 | 57,886,000 |
| Risk-weighted assets | 380,420,000 | 376,009,000 | 391,562,000 | 390,277,000 |