Call reports 2020
COMMERCIAL STATE BANK — 2020
What COMMERCIAL 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 | 140,121,000 | 151,349,000 | 156,341,000 | 160,003,000 |
| Total loans | 115,405,000 | 123,574,000 | 131,101,000 | 126,939,000 |
| Allowance for loan losses | 1,362,000 | 1,448,000 | 1,563,000 | 1,623,000 |
| Securities available for sale | 2,301,000 | 1,875,000 | 1,640,000 | 1,938,000 |
| Securities held to maturity | 2,983,000 | 3,549,000 | 5,018,000 | 5,283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,117,000 | 131,685,000 | 139,217,000 | 142,692,000 |
| Interest-bearing deposits | 107,423,000 | 111,740,000 | 119,564,000 | 118,576,000 |
| Noninterest-bearing deposits | 16,694,000 | 19,945,000 | 19,653,000 | 24,116,000 |
| Equity capital | 13,497,000 | 14,094,000 | 14,479,000 | 14,903,000 |
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 | 1,662,000 | 3,292,000 | 4,901,000 | 6,539,000 |
| Interest expense | 398,000 | 775,000 | 1,151,000 | 1,501,000 |
| Net interest income | 1,264,000 | 2,517,000 | 3,750,000 | 5,038,000 |
| Noninterest income | 67,000 | 608,000 | 808,000 | 925,000 |
| Noninterest expense | 849,000 | 1,726,000 | 2,525,000 | 3,392,000 |
| Provision for loan losses | 75,000 | 150,000 | 240,000 | 330,000 |
| Pretax income | 407,000 | 1,249,000 | 1,793,000 | 2,241,000 |
| Income tax | 13,000 | 27,000 | 40,000 | 61,000 |
| Net income | 394,000 | 1,222,000 | 1,753,000 | 2,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,546,000 | 14,071,000 | 14,442,000 | 14,868,000 |
| Total capital | 14,908,000 | 15,519,000 | 16,005,000 | — |
| Risk-weighted assets | 124,857,000 | 123,663,000 | 131,454,000 | — |