Call reports 2016
COMMERCIAL STATE BANK — 2016
What COMMERCIAL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 71,782,000 | 69,577,000 | 70,943,000 | 70,581,000 |
| Total loans | 41,304,000 | 41,265,000 | 41,001,000 | 40,153,000 |
| Allowance for loan losses | 599,000 | 602,000 | 650,000 | 654,000 |
| Securities available for sale | 19,528,000 | 18,937,000 | 18,234,000 | 17,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,383,000 | 62,276,000 | 63,515,000 | 63,711,000 |
| Interest-bearing deposits | 42,292,000 | 39,538,000 | 39,391,000 | 39,070,000 |
| Noninterest-bearing deposits | 22,091,000 | 22,738,000 | 24,124,000 | 24,641,000 |
| Equity capital | 6,397,000 | 6,305,000 | 6,448,000 | 5,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 798,000 | 1,561,000 | 2,341,000 | 3,056,000 |
| Interest expense | 36,000 | 70,000 | 104,000 | 137,000 |
| Net interest income | 762,000 | 1,491,000 | 2,237,000 | 2,919,000 |
| Noninterest income | 208,000 | 403,000 | 608,000 | 826,000 |
| Noninterest expense | 606,000 | 1,203,000 | 1,807,000 | 2,561,000 |
| Provision for loan losses | 100,000 | 100,000 | 200,000 | 325,000 |
| Pretax income | 271,000 | 598,000 | 845,000 | 844,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 271,000 | 598,000 | 845,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,248,000 | 6,074,000 | 6,261,000 | 6,140,000 |
| Total capital | 6,792,000 | 6,603,000 | 6,780,000 | 6,652,000 |
| Risk-weighted assets | 43,488,000 | 42,211,000 | 41,368,000 | 40,845,000 |