Call reports 2014
COMMERCIAL STATE BANK — 2014
What COMMERCIAL STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 69,708,000 | 70,750,000 | 71,182,000 | 70,659,000 |
| Total loans | 36,516,000 | 36,911,000 | 36,377,000 | 37,530,000 |
| Allowance for loan losses | 407,000 | 404,000 | 408,000 | 524,000 |
| Securities available for sale | 23,327,000 | 19,713,000 | 20,101,000 | 22,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,106,000 | 63,804,000 | 63,899,000 | 63,679,000 |
| Interest-bearing deposits | 46,079,000 | 45,912,000 | 45,211,000 | 46,253,000 |
| Noninterest-bearing deposits | 17,027,000 | 17,892,000 | 18,688,000 | 17,426,000 |
| Equity capital | 5,534,000 | 5,910,000 | 6,223,000 | 5,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 750,000 | 1,497,000 | 2,240,000 | 2,958,000 |
| Interest expense | 41,000 | 82,000 | 123,000 | 161,000 |
| Net interest income | 709,000 | 1,415,000 | 2,117,000 | 2,797,000 |
| Noninterest income | 192,000 | 394,000 | 600,000 | 816,000 |
| Noninterest expense | 593,000 | 1,155,000 | 1,750,000 | 2,452,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | -184,000 | 211,000 | 521,000 | 615,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -184,000 | 211,000 | 521,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,605,000 | 5,920,000 | 6,195,000 | 5,866,000 |
| Total capital | 6,012,000 | 6,324,000 | 6,603,000 | 6,372,000 |
| Risk-weighted assets | 38,791,000 | 40,493,000 | 39,839,000 | 40,492,000 |