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 | 109,443,000 | 107,031,000 | 104,404,000 | 114,607,000 |
| Total loans | 50,534,000 | 51,486,000 | 46,101,000 | 43,288,000 |
| Allowance for loan losses | 818,000 | 813,000 | 810,000 | 729,000 |
| Securities available for sale | 21,408,000 | 23,452,000 | 25,863,000 | 27,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,412,000 | 92,773,000 | 89,903,000 | 100,279,000 |
| Interest-bearing deposits | 77,730,000 | 76,542,000 | 72,841,000 | 78,998,000 |
| Noninterest-bearing deposits | 16,682,000 | 16,232,000 | 17,061,000 | 21,281,000 |
| Equity capital | 14,738,000 | 13,899,000 | 14,059,000 | 14,051,000 |
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 | 1,002,000 | 2,002,000 | 3,019,000 | 3,955,000 |
| Interest expense | 241,000 | 462,000 | 665,000 | 853,000 |
| Net interest income | 761,000 | 1,540,000 | 2,354,000 | 3,102,000 |
| Noninterest income | 141,000 | 219,000 | 369,000 | 390,000 |
| Noninterest expense | 620,000 | 1,292,000 | 1,865,000 | 2,560,000 |
| Provision for loan losses | 45,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 237,000 | 407,000 | 798,000 | 872,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 237,000 | 407,000 | 798,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,147,000 | 13,066,000 | 13,332,000 | 13,406,000 |
| Total capital | 13,965,000 | 13,879,000 | 14,130,000 | 14,135,000 |
| Risk-weighted assets | 67,764,000 | 67,885,000 | 63,823,000 | 63,727,000 |
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