Call reports 2017
COMMERCIAL STATE BANK — 2017
What COMMERCIAL STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 93,163,000 | 88,408,000 | 84,386,000 | 97,942,000 |
| Total loans | 46,845,000 | 50,569,000 | 51,611,000 | 43,359,000 |
| Allowance for loan losses | 657,000 | 841,000 | 852,000 | 822,000 |
| Securities available for sale | 21,466,000 | 21,857,000 | 20,753,000 | 20,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,342,000 | 72,076,000 | 68,504,000 | 82,130,000 |
| Interest-bearing deposits | 60,883,000 | 56,699,000 | 53,544,000 | 61,727,000 |
| Noninterest-bearing deposits | 16,459,000 | 15,376,000 | 14,960,000 | 20,403,000 |
| Equity capital | 14,986,000 | 15,065,000 | 15,262,000 | 15,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 870,000 | 1,804,000 | 2,766,000 | 3,759,000 |
| Interest expense | 115,000 | 225,000 | 334,000 | 436,000 |
| Net interest income | 755,000 | 1,579,000 | 2,432,000 | 3,323,000 |
| Noninterest income | 114,000 | 241,000 | 369,000 | 496,000 |
| Noninterest expense | 646,000 | 1,304,000 | 1,973,000 | 2,628,000 |
| Provision for loan losses | 200,000 | 400,000 | 420,000 | 420,000 |
| Pretax income | 23,000 | 144,000 | 436,000 | 799,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 23,000 | 144,000 | 436,000 | 799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,806,000 | 13,816,000 | 14,072,000 | 14,435,000 |
| Total capital | 14,463,000 | 14,538,000 | 14,541,000 | 15,130,000 |
| Risk-weighted assets | 56,175,000 | 57,621,000 | 37,119,000 | 55,466,000 |