Call reports 2024
COMMERCIAL STATE BANK — 2024
What COMMERCIAL STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 222,316,000 | 228,226,000 | 239,667,000 | 232,236,000 |
| Total loans | 185,533,000 | 193,389,000 | 196,743,000 | 195,074,000 |
| Allowance for loan losses | 1,984,000 | 1,971,000 | 2,045,000 | 2,104,000 |
| Securities available for sale | 12,194,000 | 10,236,000 | 9,949,000 | 9,371,000 |
| Securities held to maturity | 12,176,000 | 12,117,000 | 12,518,000 | 12,361,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,968,000 | 202,439,000 | 216,989,000 | 209,085,000 |
| Interest-bearing deposits | 173,358,000 | 176,926,000 | 190,914,000 | 181,331,000 |
| Noninterest-bearing deposits | 26,610,000 | 25,514,000 | 26,075,000 | 27,754,000 |
| Equity capital | 19,521,000 | 19,693,000 | 20,400,000 | 21,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,179,000 | 6,532,000 | 10,088,000 | 13,739,000 |
| Interest expense | 1,531,000 | 3,158,000 | 4,945,000 | 6,696,000 |
| Net interest income | 1,648,000 | 3,374,000 | 5,143,000 | 7,043,000 |
| Noninterest income | 200,000 | 396,000 | 636,000 | 839,000 |
| Noninterest expense | 1,114,000 | 2,229,000 | 3,354,000 | 4,447,000 |
| Provision for loan losses | 25,000 | 70,000 | 130,000 | 190,000 |
| Pretax income | 709,000 | 1,471,000 | 2,295,000 | 3,245,000 |
| Income tax | 21,000 | 21,000 | 43,000 | 91,000 |
| Net income | 688,000 | 1,450,000 | 2,252,000 | 3,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,186,000 | 20,342,000 | 20,820,000 | 21,721,000 |