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 | 104,537,000 | 98,194,000 | 95,093,000 | 105,773,000 |
| Total loans | 45,738,000 | 49,917,000 | 49,013,000 | 46,191,000 |
| Allowance for loan losses | 703,000 | 677,000 | 704,000 | 642,000 |
| Securities available for sale | 26,138,000 | 24,458,000 | 24,533,000 | 23,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,483,000 | 82,414,000 | 78,942,000 | 89,739,000 |
| Interest-bearing deposits | 68,970,000 | 64,017,000 | 62,046,000 | 68,689,000 |
| Noninterest-bearing deposits | 19,513,000 | 18,398,000 | 16,896,000 | 21,050,000 |
| Equity capital | 15,393,000 | 15,047,000 | 15,317,000 | 15,370,000 |
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 | 944,000 | 1,891,000 | 2,836,000 | 3,785,000 |
| Interest expense | 127,000 | 250,000 | 373,000 | 497,000 |
| Net interest income | 817,000 | 1,641,000 | 2,463,000 | 3,288,000 |
| Noninterest income | 131,000 | 240,000 | 353,000 | 640,000 |
| Noninterest expense | 667,000 | 1,309,000 | 1,993,000 | 2,915,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 251,000 | 512,000 | 733,000 | 893,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 251,000 | 512,000 | 733,000 | 893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,856,000 | 13,835,000 | 13,918,000 | 14,076,000 |
| Total capital | 14,559,000 | 14,512,000 | 14,622,000 | 14,597,000 |
| Risk-weighted assets | 64,436,000 | 62,917,000 | 58,594,000 | 41,529,000 |