Call reports 2025
COMMERCIAL STATE BANK — 2025
What COMMERCIAL STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 235,535,000 | 241,048,000 | 248,556,000 | 245,803,000 |
| Total loans | 201,533,000 | 204,240,000 | 206,739,000 | 211,099,000 |
| Allowance for loan losses | 2,155,000 | 2,218,000 | 2,287,000 | 2,361,000 |
| Securities available for sale | 8,531,000 | 8,776,000 | 9,610,000 | 12,096,000 |
| Securities held to maturity | 12,000,000 | 11,991,000 | 12,083,000 | 11,466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,680,000 | 216,820,000 | 223,242,000 | 219,144,000 |
| Interest-bearing deposits | 183,525,000 | 192,466,000 | 198,649,000 | 193,828,000 |
| Noninterest-bearing deposits | 28,155,000 | 24,354,000 | 24,593,000 | 25,316,000 |
| Equity capital | 21,894,000 | 22,212,000 | 22,960,000 | 23,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,579,000 | 7,322,000 | 11,262,000 | 15,263,000 |
| Interest expense | 1,621,000 | 3,230,000 | 4,922,000 | 6,595,000 |
| Net interest income | 1,958,000 | 4,092,000 | 6,340,000 | 8,668,000 |
| Noninterest income | 218,000 | 415,000 | 624,000 | 909,000 |
| Noninterest expense | 1,175,000 | 2,385,000 | 3,569,000 | 4,924,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 926,000 | 1,972,000 | 3,170,000 | 4,327,000 |
| Income tax | 18,000 | 18,000 | 171,000 | 265,000 |
| Net income | 908,000 | 1,954,000 | 2,999,000 | 4,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,306,000 | 22,568,000 | 23,228,000 | 24,193,000 |