Call reports 2018
COMMERCIAL STATE BANK — 2018
What COMMERCIAL STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 57,469,000 | 59,078,000 | 58,030,000 | 58,490,000 |
| Total loans | 19,599,000 | 22,202,000 | 21,648,000 | 21,959,000 |
| Allowance for loan losses | 213,000 | 228,000 | 228,000 | 231,000 |
| Securities available for sale | 31,921,000 | 31,860,000 | 31,059,000 | 30,811,000 |
| Securities held to maturity | 299,000 | 299,000 | 299,000 | 299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,112,000 | 38,888,000 | 40,109,000 | 41,144,000 |
| Interest-bearing deposits | 36,172,000 | 35,467,000 | 36,527,000 | 37,189,000 |
| Noninterest-bearing deposits | 3,940,000 | 3,421,000 | 3,582,000 | 3,955,000 |
| Equity capital | 17,181,000 | 17,175,000 | 17,297,000 | 17,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 587,000 | 1,185,000 | 1,799,000 | 2,408,000 |
| Interest expense | 92,000 | 189,000 | 310,000 | 443,000 |
| Net interest income | 495,000 | 996,000 | 1,489,000 | 1,965,000 |
| Noninterest income | 8,000 | 14,000 | 17,000 | 25,000 |
| Noninterest expense | 202,000 | 418,000 | 618,000 | 1,171,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 303,000 | 590,000 | 886,000 | 817,000 |
| Income tax | 58,000 | 112,000 | 168,000 | 161,000 |
| Net income | 245,000 | 478,000 | 718,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,476,000 | 17,709,000 | 17,950,000 | 17,888,000 |
| Total capital | 17,689,000 | 17,937,000 | 18,178,000 | 18,119,000 |
| Risk-weighted assets | 46,815,000 | 49,407,000 | 48,629,000 | 48,738,000 |