Call reports 2015
COMMERCIAL STATE BANK — 2015
What COMMERCIAL STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 62,366,000 | 63,222,000 | 64,499,000 | 67,351,000 |
| Total loans | 21,105,000 | 23,171,000 | 21,775,000 | 26,882,000 |
| Allowance for loan losses | 211,000 | 212,000 | 213,000 | 212,000 |
| Securities available for sale | 37,991,000 | 38,698,000 | 40,682,000 | 38,211,000 |
| Securities held to maturity | 399,000 | 379,000 | 379,000 | 379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,879,000 | 44,852,000 | 43,528,000 | 44,304,000 |
| Interest-bearing deposits | 42,202,000 | 41,604,000 | 40,143,000 | 40,294,000 |
| Noninterest-bearing deposits | 3,677,000 | 3,248,000 | 3,385,000 | 4,010,000 |
| Equity capital | 15,680,000 | 15,312,000 | 15,836,000 | 15,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 682,000 | 1,348,000 | 2,022,000 | 2,714,000 |
| Interest expense | 84,000 | 168,000 | 253,000 | 338,000 |
| Net interest income | 598,000 | 1,180,000 | 1,769,000 | 2,376,000 |
| Noninterest income | 10,000 | 17,000 | 25,000 | 36,000 |
| Noninterest expense | 202,000 | 420,000 | 623,000 | 981,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 403,000 | 774,000 | 1,168,000 | 1,428,000 |
| Income tax | 125,000 | 238,000 | 358,000 | 446,000 |
| Net income | 278,000 | 536,000 | 810,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,872,000 | 15,129,000 | 15,403,000 | 15,575,000 |
| Total capital | 15,083,000 | 15,341,000 | 15,616,000 | 15,787,000 |
| Risk-weighted assets | 43,885,000 | 48,363,000 | 47,150,000 | 42,526,000 |