Call reports 2020
COMMERCIAL STATE BANK — 2020
What COMMERCIAL STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 81,611,000 | 92,892,000 | 96,694,000 | 98,613,000 |
| Total loans | 36,375,000 | 40,403,000 | 40,508,000 | 37,197,000 |
| Allowance for loan losses | 563,000 | 548,000 | 515,000 | 517,000 |
| Securities available for sale | 21,548,000 | 26,389,000 | 30,848,000 | 31,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,931,000 | 83,259,000 | 86,810,000 | 88,897,000 |
| Interest-bearing deposits | 44,414,000 | 45,462,000 | 47,801,000 | 48,207,000 |
| Noninterest-bearing deposits | 29,517,000 | 37,797,000 | 39,009,000 | 40,690,000 |
| Equity capital | 6,880,000 | 8,749,000 | 9,132,000 | 9,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 854,000 | 1,857,000 | 2,646,000 | 3,421,000 |
| Interest expense | 50,000 | 95,000 | 136,000 | 171,000 |
| Net interest income | 804,000 | 1,762,000 | 2,510,000 | 3,250,000 |
| Noninterest income | 172,000 | 276,000 | 523,000 | 712,000 |
| Noninterest expense | 678,000 | 1,356,000 | 2,036,000 | 2,853,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 439,000 | 823,000 | 1,138,000 | 1,250,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 439,000 | 823,000 | 1,138,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,466,000 | 7,783,000 | 8,031,000 | 7,851,000 |
| Total capital | 7,942,000 | 8,322,000 | 8,515,000 | 8,355,000 |
| Risk-weighted assets | 38,065,000 | 43,140,000 | 38,668,000 | 40,296,000 |