Call reports 2018
COMMERCIAL STATE BANK — 2018
What COMMERCIAL STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 82,296,000 | 82,648,000 | 83,021,000 | 83,190,000 |
| Total loans | 43,367,000 | 44,166,000 | 42,610,000 | 39,240,000 |
| Allowance for loan losses | 589,000 | 596,000 | 646,000 | 686,000 |
| Securities available for sale | 23,850,000 | 23,900,000 | 23,886,000 | 23,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,291,000 | 75,567,000 | 75,925,000 | 76,420,000 |
| Interest-bearing deposits | 44,366,000 | 45,466,000 | 44,128,000 | 46,277,000 |
| Noninterest-bearing deposits | 30,925,000 | 30,101,000 | 31,797,000 | 30,143,000 |
| Equity capital | 6,186,000 | 6,276,000 | 6,314,000 | 6,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 956,000 | 1,874,000 | 2,789,000 | 3,666,000 |
| Interest expense | 36,000 | 74,000 | 116,000 | 165,000 |
| Net interest income | 920,000 | 1,800,000 | 2,673,000 | 3,501,000 |
| Noninterest income | 222,000 | 447,000 | 663,000 | 891,000 |
| Noninterest expense | 654,000 | 1,308,000 | 1,975,000 | 2,808,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 625,000 |
| Pretax income | 488,000 | 938,000 | 1,160,000 | 958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 488,000 | 938,000 | 1,160,000 | 958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,615,000 | 6,705,000 | 6,867,000 | 6,412,000 |
| Total capital | 7,191,000 | 7,292,000 | 7,433,000 | 6,946,000 |
| Risk-weighted assets | 46,090,000 | 46,869,000 | 45,172,000 | 42,592,000 |