Call reports 2023
CENTRAL STATE BANK — 2023
What CENTRAL STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 466,731,000 | 480,295,000 | 472,170,000 | 494,333,000 |
| Total loans | 360,409,000 | 360,879,000 | 374,082,000 | 405,067,000 |
| Allowance for loan losses | 4,792,000 | 4,798,000 | 4,802,000 | 4,807,000 |
| Securities available for sale | 87,911,000 | 87,741,000 | 87,531,000 | 81,163,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,373,000 | 395,052,000 | 388,952,000 | 397,563,000 |
| Interest-bearing deposits | 358,516,000 | 369,440,000 | 362,415,000 | 372,167,000 |
| Noninterest-bearing deposits | 27,857,000 | 25,612,000 | 26,537,000 | 25,396,000 |
| Equity capital | 44,875,000 | 44,582,000 | 43,022,000 | 46,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,830,000 | 10,048,000 | 15,454,000 | 21,344,000 |
| Interest expense | 2,292,000 | 5,179,000 | 8,571,000 | 12,424,000 |
| Net interest income | 2,538,000 | 4,869,000 | 6,883,000 | 8,920,000 |
| Noninterest income | 27,000 | 109,000 | 147,000 | 205,000 |
| Noninterest expense | 1,421,000 | 2,860,000 | 4,284,000 | 5,957,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,059,000 | 2,027,000 | 2,443,000 | 2,537,000 |
| Income tax | 59,000 | 117,000 | 176,000 | 114,000 |
| Net income | 1,000,000 | 1,910,000 | 2,267,000 | 2,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,374,000 | 53,729,000 | 53,729,000 | 53,707,000 |