Call reports 2023
COMMERCIAL STATE BANK — 2023
What COMMERCIAL 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 | 208,293,000 | 215,780,000 | 214,931,000 | 217,506,000 |
| Total loans | 162,017,000 | 170,658,000 | 176,219,000 | 181,226,000 |
| Allowance for loan losses | 1,818,000 | 1,863,000 | 1,911,000 | 1,957,000 |
| Securities available for sale | 17,606,000 | 14,980,000 | 14,936,000 | 13,196,000 |
| Securities held to maturity | 12,191,000 | 11,990,000 | 12,295,000 | 11,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,808,000 | 192,224,000 | 190,865,000 | 184,959,000 |
| Interest-bearing deposits | 157,670,000 | 162,012,000 | 162,813,000 | 159,747,000 |
| Noninterest-bearing deposits | 30,138,000 | 30,212,000 | 28,052,000 | 25,213,000 |
| Equity capital | 18,018,000 | 17,854,000 | 18,205,000 | 19,184,000 |
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 | 2,256,000 | 4,847,000 | 7,714,000 | 10,746,000 |
| Interest expense | 868,000 | 2,000,000 | 3,276,000 | 4,640,000 |
| Net interest income | 1,388,000 | 2,847,000 | 4,438,000 | 6,106,000 |
| Noninterest income | 198,000 | 404,000 | 700,000 | 911,000 |
| Noninterest expense | 970,000 | 2,003,000 | 3,127,000 | 4,217,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 571,000 | 1,158,000 | 1,876,000 | 2,620,000 |
| Income tax | 15,000 | 15,000 | 39,000 | 84,000 |
| Net income | 556,000 | 1,143,000 | 1,837,000 | 2,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,854,000 | 18,792,000 | 19,165,000 | 19,864,000 |