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 | 104,269,000 | 103,701,000 | 103,180,000 | 113,137,000 |
| Total loans | 49,076,000 | 50,986,000 | 52,625,000 | 49,863,000 |
| Allowance for loan losses | 891,000 | 857,000 | 872,000 | 850,000 |
| Securities available for sale | 20,057,000 | 19,979,000 | 20,763,000 | 20,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,749,000 | 88,939,000 | 88,115,000 | 98,196,000 |
| Interest-bearing deposits | 74,593,000 | 73,971,000 | 73,690,000 | 77,994,000 |
| Noninterest-bearing deposits | 15,156,000 | 14,968,000 | 14,425,000 | 20,202,000 |
| Equity capital | 14,226,000 | 14,406,000 | 14,639,000 | 14,665,000 |
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 | 1,054,000 | 2,057,000 | 3,093,000 | 4,115,000 |
| Interest expense | 280,000 | 548,000 | 810,000 | 1,072,000 |
| Net interest income | 774,000 | 1,509,000 | 2,283,000 | 3,043,000 |
| Noninterest income | 180,000 | 326,000 | 486,000 | 591,000 |
| Noninterest expense | 688,000 | 1,367,000 | 2,038,000 | 2,711,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 223,000 | 408,000 | 641,000 | 854,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 223,000 | 408,000 | 641,000 | 854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,632,000 | 12,657,000 | 12,810,000 | 13,008,000 |
| Total capital | 13,438,000 | 13,482,000 | 13,655,000 | 13,855,000 |
| Risk-weighted assets | 64,383,000 | 66,006,000 | 67,549,000 | 67,778,000 |