Call reports 2018
COMMERCIAL STATE BANK — 2018
What COMMERCIAL STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 88,010,000 | 85,164,000 | 83,375,000 | 103,133,000 |
| Total loans | 47,293,000 | 51,322,000 | 52,471,000 | 46,242,000 |
| Allowance for loan losses | 853,000 | 884,000 | 908,000 | 923,000 |
| Securities available for sale | 20,606,000 | 19,830,000 | 19,982,000 | 20,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,123,000 | 69,374,000 | 67,251,000 | 86,874,000 |
| Interest-bearing deposits | 57,086,000 | 54,091,000 | 51,288,000 | 62,030,000 |
| Noninterest-bearing deposits | 15,037,000 | 15,282,000 | 15,963,000 | 24,844,000 |
| Equity capital | 15,356,000 | 15,197,000 | 15,292,000 | 15,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 977,000 | 1,840,000 | 2,875,000 | 3,891,000 |
| Interest expense | 112,000 | 227,000 | 347,000 | 487,000 |
| Net interest income | 865,000 | 1,613,000 | 2,528,000 | 3,404,000 |
| Noninterest income | 120,000 | 239,000 | 357,000 | 465,000 |
| Noninterest expense | 667,000 | 1,317,000 | 1,963,000 | 2,669,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 288,000 | 475,000 | 832,000 | 1,080,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 475,000 | 832,000 | 1,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,583,000 | 14,458,000 | 14,683,000 | 14,929,000 |
| Total capital | 15,278,000 | 15,187,000 | 15,403,000 | 15,635,000 |
| Risk-weighted assets | 55,410,000 | 58,162,000 | 57,416,000 | 56,235,000 |