Call reports 2013
COMMERCIAL STATE BANK — 2013
What COMMERCIAL STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,532,000 | 60,151,000 | 60,342,000 | 59,642,000 |
| Total loans | 13,903,000 | 15,355,000 | 15,518,000 | 16,248,000 |
| Allowance for loan losses | 200,000 | 200,000 | 191,000 | 193,000 |
| Securities available for sale | 34,988,000 | 39,725,000 | 39,278,000 | 40,453,000 |
| Securities held to maturity | 534,000 | 534,000 | 534,000 | 534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,333,000 | 46,424,000 | 46,383,000 | 45,456,000 |
| Interest-bearing deposits | 44,546,000 | 43,478,000 | 43,084,000 | 42,036,000 |
| Noninterest-bearing deposits | 3,787,000 | 2,946,000 | 3,299,000 | 3,420,000 |
| Equity capital | 14,598,000 | 13,595,000 | 13,775,000 | 13,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 573,000 | 1,184,000 | 1,812,000 | 2,453,000 |
| Interest expense | 85,000 | 167,000 | 248,000 | 327,000 |
| Net interest income | 488,000 | 1,017,000 | 1,564,000 | 2,126,000 |
| Noninterest income | 12,000 | 25,000 | 36,000 | 56,000 |
| Noninterest expense | 187,000 | 382,000 | 561,000 | 855,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 343,000 | 709,000 | 1,088,000 | 1,316,000 |
| Income tax | 84,000 | 183,000 | 295,000 | 356,000 |
| Net income | 259,000 | 526,000 | 793,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,587,000 | 13,853,000 | 14,122,000 | 14,288,000 |
| Total capital | 13,787,000 | 14,053,000 | 14,313,000 | 14,481,000 |
| Risk-weighted assets | 38,565,000 | 39,521,000 | 39,594,000 | 40,321,000 |