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 | 556,857,000 | 578,836,000 | 579,541,000 | 575,625,000 |
| Total loans | 355,645,000 | 352,106,000 | 360,646,000 | 371,606,000 |
| Allowance for loan losses | 5,068,000 | 5,090,000 | 5,103,000 | 5,152,000 |
| Securities available for sale | 120,806,000 | 105,833,000 | 103,084,000 | 89,338,000 |
| Securities held to maturity | 14,000 | 11,000 | 10,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,279,000 | 524,768,000 | 525,533,000 | 517,589,000 |
| Interest-bearing deposits | 370,668,000 | 389,365,000 | 393,280,000 | 392,227,000 |
| Noninterest-bearing deposits | 133,611,000 | 135,403,000 | 132,253,000 | 125,362,000 |
| Equity capital | 48,070,000 | 48,529,000 | 48,641,000 | 52,928,000 |
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 | 6,895,000 | 14,384,000 | 22,580,000 | 31,326,000 |
| Interest expense | 1,302,000 | 3,226,000 | 5,520,000 | 8,309,000 |
| Net interest income | 5,593,000 | 11,158,000 | 17,060,000 | 23,017,000 |
| Noninterest income | 934,000 | 1,638,000 | 2,625,000 | 3,381,000 |
| Noninterest expense | 3,223,000 | 6,413,000 | 10,219,000 | 14,884,000 |
| Provision for loan losses | 28,000 | 103,000 | 154,000 | 210,000 |
| Pretax income | 3,276,000 | 6,280,000 | 9,292,000 | 11,304,000 |
| Income tax | 203,000 | 443,000 | 642,000 | 674,000 |
| Net income | 3,073,000 | 5,837,000 | 8,650,000 | 10,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,395,000 | 56,385,000 | 58,027,000 | 59,647,000 |