Call reports 2022
COMMERCIAL STATE BANK — 2022
What COMMERCIAL STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 181,646,000 | 178,003,000 | 185,644,000 | 195,965,000 |
| Total loans | 126,021,000 | 137,136,000 | 146,483,000 | 156,212,000 |
| Allowance for loan losses | 1,707,000 | 1,761,000 | 1,791,000 | 1,784,000 |
| Securities available for sale | 13,837,000 | 20,428,000 | 19,117,000 | 18,892,000 |
| Securities held to maturity | 8,590,000 | 9,895,000 | 9,953,000 | 10,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,566,000 | 159,183,000 | 166,478,000 | 172,821,000 |
| Interest-bearing deposits | 133,412,000 | 133,281,000 | 138,200,000 | 145,868,000 |
| Noninterest-bearing deposits | 29,154,000 | 25,902,000 | 28,279,000 | 26,953,000 |
| Equity capital | 16,870,000 | 16,517,000 | 16,749,000 | 17,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,545,000 | 3,217,000 | 5,082,000 | 7,126,000 |
| Interest expense | 158,000 | 334,000 | 655,000 | 1,212,000 |
| Net interest income | 1,387,000 | 2,883,000 | 4,427,000 | 5,914,000 |
| Noninterest income | 184,000 | 444,000 | 695,000 | 868,000 |
| Noninterest expense | 866,000 | 1,788,000 | 2,710,000 | 3,630,000 |
| Provision for loan losses | 60,000 | 110,000 | 140,000 | 170,000 |
| Pretax income | 645,000 | 1,429,000 | 2,272,000 | 2,982,000 |
| Income tax | 8,000 | 39,000 | 45,000 | 76,000 |
| Net income | 637,000 | 1,390,000 | 2,227,000 | 2,906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,324,000 | 17,429,000 | 17,942,000 | 18,621,000 |