Call reports 2015
COMMERCIAL STATE BANK — 2015
What COMMERCIAL STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 75,948,000 | 72,723,000 | 73,413,000 | 73,119,000 |
| Total loans | 38,593,000 | 39,210,000 | 38,108,000 | 39,481,000 |
| Allowance for loan losses | 519,000 | 603,000 | 613,000 | 496,000 |
| Securities available for sale | 21,004,000 | 20,942,000 | 20,254,000 | 20,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,758,000 | 65,665,000 | 66,073,000 | 66,041,000 |
| Interest-bearing deposits | 47,788,000 | 44,678,000 | 45,050,000 | 44,855,000 |
| Noninterest-bearing deposits | 20,970,000 | 20,987,000 | 21,023,000 | 21,186,000 |
| Equity capital | 6,168,000 | 6,057,000 | 6,321,000 | 6,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 722,000 | 1,462,000 | 2,182,000 | 2,902,000 |
| Interest expense | 37,000 | 75,000 | 110,000 | 146,000 |
| Net interest income | 685,000 | 1,387,000 | 2,072,000 | 2,756,000 |
| Noninterest income | 205,000 | 411,000 | 604,000 | 797,000 |
| Noninterest expense | 586,000 | 1,182,000 | 1,770,000 | 2,499,000 |
| Provision for loan losses | 0 | 0 | 0 | 287,000 |
| Pretax income | 298,000 | 588,000 | 869,000 | 730,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 298,000 | 588,000 | 869,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,054,000 | 6,057,000 | 6,265,000 | 5,986,000 |
| Total capital | 6,573,000 | 6,581,000 | 6,764,000 | 6,482,000 |
| Risk-weighted assets | 41,752,000 | 41,808,000 | 39,796,000 | 40,984,000 |