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 | 108,966,000 | 101,942,000 | 100,113,000 | 108,873,000 |
| Total loans | 46,092,000 | 48,292,000 | 47,072,000 | 43,340,000 |
| Allowance for loan losses | 678,000 | 717,000 | 696,000 | 669,000 |
| Securities available for sale | 28,753,000 | 29,332,000 | 28,334,000 | 25,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,183,000 | 86,627,000 | 84,572,000 | 93,261,000 |
| Interest-bearing deposits | 77,075,000 | 69,695,000 | 66,721,000 | 72,495,000 |
| Noninterest-bearing deposits | 17,108,000 | 16,932,000 | 17,851,000 | 20,766,000 |
| Equity capital | 14,439,000 | 14,556,000 | 14,698,000 | 15,003,000 |
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 | 944,000 | 1,929,000 | 2,898,000 | 3,757,000 |
| Interest expense | 171,000 | 323,000 | 466,000 | 597,000 |
| Net interest income | 773,000 | 1,606,000 | 2,432,000 | 3,160,000 |
| Noninterest income | 114,000 | 246,000 | 281,000 | 426,000 |
| Noninterest expense | 674,000 | 1,488,000 | 2,167,000 | 2,835,000 |
| Provision for loan losses | 0 | 47,000 | 47,000 | 47,000 |
| Pretax income | 213,000 | 317,000 | 499,000 | 758,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 213,000 | 317,000 | 499,000 | 758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,500,000 | 13,362,000 | 13,425,000 | 13,683,000 |
| Total capital | 14,178,000 | 14,079,000 | 14,121,000 | 14,352,000 |
| Risk-weighted assets | 64,682,000 | 64,932,000 | 63,579,000 | 61,649,000 |