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 | 456,007,000 | 450,111,000 | 463,847,000 | 468,999,000 |
| Total loans | 372,944,000 | 370,849,000 | 384,767,000 | 382,150,000 |
| Allowance for loan losses | 4,731,000 | 4,749,000 | 4,779,000 | 4,810,000 |
| Securities available for sale | 52,739,000 | 51,174,000 | 48,642,000 | 54,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,311,000 | 365,087,000 | 359,786,000 | 370,371,000 |
| Interest-bearing deposits | 298,928,000 | 303,198,000 | 297,491,000 | 303,058,000 |
| Noninterest-bearing deposits | 63,383,000 | 61,889,000 | 62,295,000 | 67,312,000 |
| Equity capital | 37,553,000 | 37,411,000 | 35,613,000 | 37,705,000 |
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 | 4,623,000 | 9,641,000 | 14,842,000 | 20,287,000 |
| Interest expense | 1,629,000 | 3,716,000 | 6,403,000 | 9,405,000 |
| Net interest income | 2,994,000 | 5,925,000 | 8,439,000 | 10,882,000 |
| Noninterest income | 166,000 | 375,000 | 602,000 | 841,000 |
| Noninterest expense | 2,116,000 | 4,125,000 | 6,146,000 | 8,108,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,014,000 | 2,115,000 | 2,805,000 | 3,524,000 |
| Income tax | 49,000 | 100,000 | 132,000 | 166,000 |
| Net income | 965,000 | 2,015,000 | 2,673,000 | 3,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,545,000 | 39,814,000 | 39,840,000 | 40,218,000 |
| Total capital | 44,016,000 | 44,235,000 | 44,393,000 | 44,773,000 |
| Risk-weighted assets | 357,437,000 | 353,364,000 | 364,043,000 | 364,168,000 |