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 | 96,460,000 | 90,081,000 | 88,084,000 | 97,398,000 |
| Total loans | 50,277,000 | 52,150,000 | 49,218,000 | 43,507,000 |
| Allowance for loan losses | 663,000 | 1,011,000 | 565,000 | 494,000 |
| Securities available for sale | 23,503,000 | 21,498,000 | 21,032,000 | 20,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,160,000 | 74,029,000 | 72,093,000 | 81,677,000 |
| Interest-bearing deposits | 62,717,000 | 58,844,000 | 57,011,000 | 62,425,000 |
| Noninterest-bearing deposits | 17,444,000 | 15,185,000 | 15,083,000 | 19,252,000 |
| Equity capital | 15,553,000 | 15,240,000 | 15,123,000 | 15,011,000 |
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 | 910,000 | 1,789,000 | 2,729,000 | 3,700,000 |
| Interest expense | 122,000 | 234,000 | 346,000 | 455,000 |
| Net interest income | 788,000 | 1,555,000 | 2,383,000 | 3,245,000 |
| Noninterest income | 100,000 | 219,000 | 370,000 | 510,000 |
| Noninterest expense | 670,000 | 1,352,000 | 2,043,000 | 2,669,000 |
| Provision for loan losses | 20,000 | 375,000 | 647,000 | 755,000 |
| Pretax income | 198,000 | 47,000 | 63,000 | 346,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 198,000 | 47,000 | 63,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,076,000 | 13,664,000 | 13,550,000 | 13,833,000 |
| Total capital | 14,739,000 | 14,431,000 | 14,115,000 | 14,327,000 |
| Risk-weighted assets | 60,032,000 | 61,147,000 | 57,835,000 | 56,979,000 |