Call reports 2014
COMMERCIAL STATE BANK — 2014
What COMMERCIAL STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 61,530,000 | 60,688,000 | 63,556,000 | 64,266,000 |
| Total loans | 15,382,000 | 16,363,000 | 16,705,000 | 19,002,000 |
| Allowance for loan losses | 196,000 | 197,000 | 198,000 | 209,000 |
| Securities available for sale | 43,077,000 | 40,067,000 | 43,819,000 | 43,448,000 |
| Securities held to maturity | 534,000 | 534,000 | 534,000 | 399,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,911,000 | 45,364,000 | 45,971,000 | 46,292,000 |
| Interest-bearing deposits | 42,635,000 | 34,928,000 | 42,912,000 | 42,401,000 |
| Noninterest-bearing deposits | 3,276,000 | 10,436,000 | 3,059,000 | 3,891,000 |
| Equity capital | 14,133,000 | 14,889,000 | 15,168,000 | 15,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 676,000 | 1,377,000 | 2,060,000 | 2,765,000 |
| Interest expense | 78,000 | 157,000 | 244,000 | 333,000 |
| Net interest income | 598,000 | 1,220,000 | 1,816,000 | 2,432,000 |
| Noninterest income | 12,000 | 21,000 | 27,000 | 41,000 |
| Noninterest expense | 174,000 | 391,000 | 592,000 | 853,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 436,000 | 850,000 | 1,251,000 | 1,579,000 |
| Income tax | 129,000 | 253,000 | 372,000 | 482,000 |
| Net income | 307,000 | 597,000 | 879,000 | 1,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,419,000 | 14,710,000 | 14,992,000 | 15,210,000 |
| Total capital | 14,615,000 | 14,907,000 | 15,190,000 | 15,419,000 |
| Risk-weighted assets | 38,459,000 | 38,287,000 | 39,004,000 | 40,614,000 |