Call reports 2012
COMMERCIAL STATE BANK — 2012
What COMMERCIAL STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 64,877,000 | 65,911,000 | 64,407,000 | 64,786,000 |
| Total loans | 28,819,000 | 29,653,000 | 28,741,000 | 30,883,000 |
| Allowance for loan losses | 350,000 | 359,000 | 362,000 | 364,000 |
| Securities available for sale | 30,511,000 | 28,804,000 | 27,179,000 | 28,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,003,000 | 58,831,000 | 57,378,000 | 57,938,000 |
| Interest-bearing deposits | 44,529,000 | 45,364,000 | 44,392,000 | 43,788,000 |
| Noninterest-bearing deposits | 13,474,000 | 13,467,000 | 12,986,000 | 14,150,000 |
| Equity capital | 5,781,000 | 5,990,000 | 5,902,000 | 5,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,335,000 | 2,014,000 | 2,672,000 |
| Interest expense | 62,000 | 123,000 | 181,000 | 236,000 |
| Net interest income | 611,000 | 1,212,000 | 1,833,000 | 2,436,000 |
| Noninterest income | 200,000 | 340,000 | 517,000 | 712,000 |
| Noninterest expense | 597,000 | 1,179,000 | 1,727,000 | 2,357,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 585,000 | 764,000 | 1,014,000 | 1,187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 585,000 | 764,000 | 1,014,000 | 1,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,624,000 | 5,803,000 | 5,553,000 | 5,526,000 |
| Total capital | 5,974,000 | 6,162,000 | 5,915,000 | 5,890,000 |
| Risk-weighted assets | 32,833,000 | 33,412,000 | 31,629,000 | 34,180,000 |