Call reports 2020
CENTRAL STATE BANK — 2020
What CENTRAL STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 318,271,000 | 351,702,000 | 356,618,000 | 358,241,000 |
| Total loans | 220,314,000 | 241,259,000 | 249,645,000 | 247,092,000 |
| Allowance for loan losses | 2,557,000 | 2,573,000 | 3,187,000 | 3,191,000 |
| Securities available for sale | 88,274,000 | 91,258,000 | 84,943,000 | 85,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,819,000 | 278,344,000 | 284,384,000 | 284,885,000 |
| Interest-bearing deposits | 235,316,000 | 258,364,000 | 263,743,000 | 258,473,000 |
| Noninterest-bearing deposits | 14,503,000 | 19,980,000 | 20,641,000 | 26,412,000 |
| Equity capital | 36,481,000 | 42,940,000 | 44,361,000 | 45,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,395,000 | 7,231,000 | 11,136,000 | 14,796,000 |
| Interest expense | 1,410,000 | 2,766,000 | 4,055,000 | 5,176,000 |
| Net interest income | 1,985,000 | 4,465,000 | 7,081,000 | 9,620,000 |
| Noninterest income | 86,000 | 166,000 | 247,000 | 348,000 |
| Noninterest expense | 1,098,000 | 2,196,000 | 3,248,000 | 4,620,000 |
| Provision for loan losses | 0 | 0 | 600,000 | 600,000 |
| Pretax income | 1,165,000 | 2,780,000 | 3,882,000 | 5,150,000 |
| Income tax | 57,000 | 114,000 | 171,000 | 248,000 |
| Net income | 1,108,000 | 2,666,000 | 3,711,000 | 4,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,960,000 | 39,892,000 | 40,589,000 | 41,300,000 |
| Total capital | 41,517,000 | 42,465,000 | — | — |
| Risk-weighted assets | 314,145,000 | 340,577,000 | — | — |