Call reports 2012
COMMERCIAL STATE BANK — 2012
What COMMERCIAL STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 62,342,000 | 61,302,000 | 62,144,000 | 62,731,000 |
| Total loans | 11,696,000 | 12,113,000 | 12,869,000 | 16,743,000 |
| Allowance for loan losses | 232,000 | 245,000 | 245,000 | 198,000 |
| Securities available for sale | 36,232,000 | 34,670,000 | 39,111,000 | 37,985,000 |
| Securities held to maturity | 834,000 | 834,000 | 834,000 | 734,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,796,000 | 46,897,000 | 47,243,000 | 47,591,000 |
| Interest-bearing deposits | 44,984,000 | 44,700,000 | 44,595,000 | 43,947,000 |
| Noninterest-bearing deposits | 2,812,000 | 2,197,000 | 2,648,000 | 3,644,000 |
| Equity capital | 13,471,000 | 13,876,000 | 14,300,000 | 14,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 575,000 | 1,165,000 | 1,740,000 | 2,318,000 |
| Interest expense | 134,000 | 256,000 | 360,000 | 459,000 |
| Net interest income | 441,000 | 909,000 | 1,380,000 | 1,859,000 |
| Noninterest income | 13,000 | 23,000 | 35,000 | 55,000 |
| Noninterest expense | 171,000 | 364,000 | 536,000 | 781,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 283,000 | 568,000 | 879,000 | 1,133,000 |
| Income tax | 61,000 | 123,000 | 192,000 | 219,000 |
| Net income | 222,000 | 445,000 | 687,000 | 914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,815,000 | 13,038,000 | 13,280,000 | 13,507,000 |
| Total capital | 13,047,000 | 13,283,000 | 13,525,000 | 13,705,000 |
| Risk-weighted assets | 27,540,000 | 33,767,000 | 37,236,000 | 40,219,000 |