Call reports 2019
COMMERCIAL STATE BANK — 2019
What COMMERCIAL STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 59,087,000 | 59,967,000 | 62,542,000 | 60,040,000 |
| Total loans | 22,091,000 | 21,826,000 | 25,804,000 | 24,433,000 |
| Allowance for loan losses | 231,000 | 231,000 | 231,000 | 231,000 |
| Securities available for sale | 31,536,000 | 32,015,000 | 31,535,000 | 30,713,000 |
| Securities held to maturity | 299,000 | 299,000 | 299,000 | 299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,878,000 | 41,111,000 | 41,165,000 | 40,937,000 |
| Interest-bearing deposits | 37,286,000 | 36,981,000 | 37,027,000 | 36,858,000 |
| Noninterest-bearing deposits | 3,592,000 | 4,130,000 | 4,138,000 | 4,079,000 |
| Equity capital | 17,964,000 | 18,553,000 | 18,869,000 | 18,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 609,000 | 1,234,000 | 1,869,000 | 2,504,000 |
| Interest expense | 152,000 | 320,000 | 494,000 | 676,000 |
| Net interest income | 457,000 | 914,000 | 1,375,000 | 1,828,000 |
| Noninterest income | 7,000 | 14,000 | 17,000 | 69,000 |
| Noninterest expense | 197,000 | 404,000 | 594,000 | 1,232,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 267,000 | 524,000 | 730,000 | 597,000 |
| Income tax | 50,000 | 98,000 | 137,000 | 119,000 |
| Net income | 217,000 | 426,000 | 593,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,097,000 | 18,306,000 | 18,473,000 | 18,358,000 |
| Total capital | 18,328,000 | 18,537,000 | 18,704,000 | 18,589,000 |
| Risk-weighted assets | 48,507,000 | 48,639,000 | 49,022,000 | 48,429,000 |