Call reports 2017
COMMERCIAL STATE BANK — 2017
What COMMERCIAL STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 60,053,000 | 59,875,000 | 59,158,000 | 57,827,000 |
| Total loans | 19,305,000 | 21,810,000 | 21,880,000 | 20,653,000 |
| Allowance for loan losses | 216,000 | 216,000 | 216,000 | 213,000 |
| Securities available for sale | 36,165,000 | 35,524,000 | 33,683,000 | 32,928,000 |
| Securities held to maturity | 299,000 | 299,000 | 299,000 | 299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,724,000 | 41,799,000 | 40,583,000 | 40,090,000 |
| Interest-bearing deposits | 38,654,000 | 37,524,000 | 36,369,000 | 36,069,000 |
| Noninterest-bearing deposits | 4,070,000 | 4,275,000 | 4,214,000 | 4,021,000 |
| Equity capital | 16,859,000 | 17,330,000 | 17,547,000 | 17,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 602,000 | 1,209,000 | 1,825,000 | 2,421,000 |
| Interest expense | 77,000 | 158,000 | 244,000 | 331,000 |
| Net interest income | 525,000 | 1,051,000 | 1,581,000 | 2,090,000 |
| Noninterest income | 10,000 | 18,000 | 25,000 | 36,000 |
| Noninterest expense | 203,000 | 408,000 | 608,000 | 1,018,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 332,000 | 661,000 | 998,000 | 1,108,000 |
| Income tax | 98,000 | 196,000 | 298,000 | 265,000 |
| Net income | 234,000 | 465,000 | 700,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,630,000 | 16,861,000 | 17,096,000 | 17,239,000 |
| Total capital | 16,846,000 | 17,077,000 | 17,312,000 | 17,452,000 |
| Risk-weighted assets | 47,831,000 | 49,919,000 | 49,455,000 | 48,232,000 |