Call reports 2013
COMMERCIAL STATE BANK — 2013
What COMMERCIAL STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,986,000 | 68,136,000 | 66,058,000 | 66,612,000 |
| Total loans | 32,199,000 | 33,929,000 | 34,559,000 | 34,197,000 |
| Allowance for loan losses | 375,000 | 383,000 | 382,000 | 419,000 |
| Securities available for sale | 33,599,000 | 26,822,000 | 25,173,000 | 23,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,021,000 | 61,925,000 | 59,753,000 | 60,417,000 |
| Interest-bearing deposits | 47,214,000 | 46,140,000 | 44,309,000 | 44,921,000 |
| Noninterest-bearing deposits | 14,807,000 | 15,785,000 | 15,444,000 | 15,496,000 |
| Equity capital | 5,820,000 | 5,164,000 | 5,242,000 | 5,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,419,000 | 2,145,000 | 2,864,000 |
| Interest expense | 53,000 | 108,000 | 157,000 | 199,000 |
| Net interest income | 627,000 | 1,311,000 | 1,988,000 | 2,665,000 |
| Noninterest income | 191,000 | 380,000 | 565,000 | 759,000 |
| Noninterest expense | 561,000 | 1,140,000 | 1,712,000 | 2,439,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 292,000 | 536,000 | 757,000 | 863,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 292,000 | 536,000 | 757,000 | 863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,768,000 | 5,862,000 | 6,023,000 | 5,829,000 |
| Total capital | 6,143,000 | 6,245,000 | 6,405,000 | 6,248,000 |
| Risk-weighted assets | 35,610,000 | 36,289,000 | 37,449,000 | 37,421,000 |