Call reports 2021
COMMERCIAL STATE BANK — 2021
What COMMERCIAL STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 167,001,000 | 168,357,000 | 173,120,000 | 169,662,000 |
| Total loans | 124,103,000 | 122,348,000 | 119,447,000 | 125,157,000 |
| Allowance for loan losses | 1,689,000 | 1,483,000 | 1,575,000 | 1,639,000 |
| Securities available for sale | 2,981,000 | 4,149,000 | 4,830,000 | 6,750,000 |
| Securities held to maturity | 5,526,000 | 7,221,000 | 8,379,000 | 8,903,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,991,000 | 149,869,000 | 154,242,000 | 150,611,000 |
| Interest-bearing deposits | 125,436,000 | 127,662,000 | 131,863,000 | 126,121,000 |
| Noninterest-bearing deposits | 23,555,000 | 22,207,000 | 22,379,000 | 24,490,000 |
| Equity capital | 15,771,000 | 16,144,000 | 16,429,000 | 16,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,555,000 | 3,085,000 | 4,639,000 | 7,007,000 |
| Interest expense | 302,000 | 543,000 | 749,000 | 930,000 |
| Net interest income | 1,253,000 | 2,542,000 | 3,890,000 | 6,077,000 |
| Noninterest income | 720,000 | 1,278,000 | 1,460,000 | 771,000 |
| Noninterest expense | 819,000 | 1,765,000 | 2,672,000 | 3,559,000 |
| Provision for loan losses | 70,000 | 130,000 | 190,000 | 250,000 |
| Pretax income | 1,084,000 | 1,925,000 | 2,488,000 | 3,039,000 |
| Income tax | 16,000 | 31,000 | 46,000 | 70,000 |
| Net income | 1,068,000 | 1,894,000 | 2,442,000 | 2,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,737,000 | 16,113,000 | 16,410,000 | 16,937,000 |