Call reports 2016
COMMERCIAL STATE BANK — 2016
What COMMERCIAL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 61,413,000 | 61,475,000 | 59,634,000 | 59,513,000 |
| Total loans | 19,568,000 | 20,756,000 | 22,690,000 | 19,941,000 |
| Allowance for loan losses | 212,000 | 213,000 | 214,000 | 215,000 |
| Securities available for sale | 35,102,000 | 36,174,000 | 34,419,000 | 35,199,000 |
| Securities held to maturity | 299,000 | 299,000 | 299,000 | 299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,229,000 | 43,737,000 | 41,542,000 | 42,683,000 |
| Interest-bearing deposits | 40,772,000 | 40,290,000 | 38,161,000 | 38,783,000 |
| Noninterest-bearing deposits | 3,457,000 | 3,447,000 | 3,381,000 | 3,900,000 |
| Equity capital | 16,440,000 | 17,041,000 | 17,308,000 | 16,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 662,000 | 1,289,000 | 1,929,000 | 2,525,000 |
| Interest expense | 87,000 | 173,000 | 250,000 | 328,000 |
| Net interest income | 575,000 | 1,116,000 | 1,679,000 | 2,197,000 |
| Noninterest income | 9,000 | 15,000 | 25,000 | 31,000 |
| Noninterest expense | 205,000 | 409,000 | 634,000 | 1,030,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 380,000 | 723,000 | 1,071,000 | 1,199,000 |
| Income tax | 114,000 | 215,000 | 317,000 | 360,000 |
| Net income | 266,000 | 508,000 | 754,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,829,000 | 16,071,000 | 16,316,000 | 16,401,000 |
| Total capital | 16,041,000 | 16,284,000 | 16,530,000 | 16,616,000 |
| Risk-weighted assets | 46,007,000 | 46,802,000 | 46,215,000 | 48,190,000 |