Call reports 2016
COMMERCIAL STATE BANK — 2016
What COMMERCIAL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 507,092,000 | 489,765,000 | 518,755,000 | 506,436,000 |
| Total loans | 340,855,000 | 358,199,000 | 371,393,000 | 381,233,000 |
| Allowance for loan losses | 6,337,000 | 6,604,000 | 7,508,000 | 7,656,000 |
| Securities available for sale | 51,814,000 | 51,013,000 | 42,216,000 | 41,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,502,000 | 430,991,000 | 458,718,000 | 445,955,000 |
| Interest-bearing deposits | 279,183,000 | 271,719,000 | 276,579,000 | 276,871,000 |
| Noninterest-bearing deposits | 170,319,000 | 159,272,000 | 182,139,000 | 169,084,000 |
| Equity capital | 55,833,000 | 56,886,000 | 57,824,000 | 59,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,979,000 | 12,316,000 | 18,621,000 | 25,233,000 |
| Interest expense | 527,000 | 1,057,000 | 1,604,000 | 2,135,000 |
| Net interest income | 5,452,000 | 11,259,000 | 17,017,000 | 23,098,000 |
| Noninterest income | 672,000 | 1,515,000 | 2,726,000 | 3,665,000 |
| Noninterest expense | 3,720,000 | 7,462,000 | 11,231,000 | 14,987,000 |
| Provision for loan losses | 750,000 | 1,200,000 | 2,800,000 | 3,200,000 |
| Pretax income | 1,860,000 | 4,318,000 | 5,918,000 | 8,782,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,860,000 | 4,318,000 | 5,918,000 | 8,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,184,000 | 55,152,000 | 56,057,000 | 58,120,000 |
| Total capital | 58,888,000 | 60,009,000 | 61,073,000 | 63,260,000 |
| Risk-weighted assets | 374,672,000 | 386,879,000 | 398,797,000 | 408,704,000 |