Call reports 2019
COMMERCIAL STATE BANK — 2019
What COMMERCIAL STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 81,823,000 | 82,143,000 | 82,428,000 | 81,353,000 |
| Total loans | 39,949,000 | 38,041,000 | 39,102,000 | 37,914,000 |
| Allowance for loan losses | 683,000 | 685,000 | 653,000 | 544,000 |
| Securities available for sale | 23,985,000 | 23,986,000 | 24,405,000 | 24,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,476,000 | 74,148,000 | 74,101,000 | 73,137,000 |
| Interest-bearing deposits | 44,021,000 | 45,682,000 | 44,600,000 | 44,217,000 |
| Noninterest-bearing deposits | 30,455,000 | 28,466,000 | 29,501,000 | 28,920,000 |
| Equity capital | 6,610,000 | 7,244,000 | 7,558,000 | 7,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 901,000 | 1,773,000 | 2,666,000 | 3,561,000 |
| Interest expense | 50,000 | 101,000 | 155,000 | 205,000 |
| Net interest income | 851,000 | 1,672,000 | 2,511,000 | 3,356,000 |
| Noninterest income | 198,000 | 421,000 | 645,000 | 859,000 |
| Noninterest expense | 673,000 | 1,349,000 | 2,011,000 | 2,777,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 375,000 |
| Pretax income | 374,000 | 731,000 | 982,000 | 1,050,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 374,000 | 731,000 | 982,000 | 1,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,700,000 | 6,992,000 | 7,170,000 | 7,099,000 |
| Total capital | 7,240,000 | 7,510,000 | 7,693,000 | 7,605,000 |
| Risk-weighted assets | 43,024,000 | 41,236,000 | 41,683,000 | 40,414,000 |