Call reports 2019
COMMERCIAL STATE BANK — 2019
What COMMERCIAL STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Total assets | 94,751,000 | 92,115,000 | 90,435,000 |
| Total loans | 48,085,000 | 50,751,000 | 48,368,000 |
| Allowance for loan losses | 952,000 | 984,000 | 1,013,000 |
| Securities available for sale | 20,387,000 | 21,263,000 | 21,289,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 77,712,000 | 74,685,000 | 73,374,000 |
| Interest-bearing deposits | 57,443,000 | 55,950,000 | 54,336,000 |
| Noninterest-bearing deposits | 20,269,000 | 18,735,000 | 19,038,000 |
| Equity capital | 16,075,000 | 16,017,000 | 16,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Interest income | 1,053,000 | 1,929,000 | 3,015,000 |
| Interest expense | 154,000 | 343,000 | 530,000 |
| Net interest income | 899,000 | 1,586,000 | 2,485,000 |
| Noninterest income | 108,000 | 217,000 | 331,000 |
| Noninterest expense | 655,000 | 1,319,000 | 2,030,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 |
| Pretax income | 322,000 | 424,000 | 696,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 322,000 | 424,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Tier 1 capital | 15,101,000 | 14,876,000 | 14,982,000 |
| Total capital | 15,822,000 | 15,631,000 | 15,684,000 |
| Risk-weighted assets | 57,423,000 | 60,225,000 | 55,878,000 |