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 | 113,606,000 | 112,732,000 | 116,142,000 | 118,124,000 |
| Total loans | 35,543,000 | 35,128,000 | 34,745,000 | 34,481,000 |
| Allowance for loan losses | 747,000 | 747,000 | 447,000 | 422,000 |
| Securities available for sale | 39,809,000 | 37,547,000 | 44,980,000 | 50,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,694,000 | 105,668,000 | 109,117,000 | 110,531,000 |
| Interest-bearing deposits | 52,562,000 | 51,129,000 | 51,805,000 | 48,022,000 |
| Noninterest-bearing deposits | 52,132,000 | 54,539,000 | 57,312,000 | 62,509,000 |
| Equity capital | 8,135,000 | 6,376,000 | 6,390,000 | 7,070,000 |
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 | 761,000 | 1,534,000 | 2,460,000 | 3,585,000 |
| Interest expense | 25,000 | 50,000 | 73,000 | 93,000 |
| Net interest income | 736,000 | 1,484,000 | 2,387,000 | 3,492,000 |
| Noninterest income | 195,000 | 388,000 | 575,000 | 757,000 |
| Noninterest expense | 683,000 | 1,427,000 | 2,171,000 | 3,054,000 |
| Provision for loan losses | 0 | 0 | -304,000 | -304,000 |
| Pretax income | 225,000 | 422,000 | 1,072,000 | 1,476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 225,000 | 422,000 | 1,072,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,353,000 | 9,453,000 | 10,034,000 | 9,977,000 |
| Total capital | 9,876,000 | 9,975,000 | 10,481,000 | 10,399,000 |
| Risk-weighted assets | 41,634,000 | 41,508,000 | 41,450,000 | 42,484,000 |