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 | 107,410,000 | 104,352,000 | 100,929,000 | 106,088,000 |
| Total loans | 34,712,000 | 36,609,000 | 38,524,000 | 39,470,000 |
| Allowance for loan losses | 492,000 | 537,000 | 569,000 | 587,000 |
| Securities available for sale | 52,314,000 | 51,282,000 | 49,835,000 | 49,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,995,000 | 96,079,000 | 92,701,000 | 96,599,000 |
| Interest-bearing deposits | 46,748,000 | 45,645,000 | 43,351,000 | 43,953,000 |
| Noninterest-bearing deposits | 52,247,000 | 50,434,000 | 49,350,000 | 52,646,000 |
| Equity capital | 7,790,000 | 7,616,000 | 7,438,000 | 8,989,000 |
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 | 1,163,000 | 2,284,000 | 3,490,000 | 4,751,000 |
| Interest expense | 26,000 | 57,000 | 92,000 | 130,000 |
| Net interest income | 1,137,000 | 2,227,000 | 3,398,000 | 4,621,000 |
| Noninterest income | 180,000 | 361,000 | 545,000 | 755,000 |
| Noninterest expense | 786,000 | 1,626,000 | 2,403,000 | 3,314,000 |
| Provision for loan losses | 30,000 | 218,000 | 348,000 | 538,000 |
| Pretax income | 486,000 | 729,000 | 1,177,000 | 1,509,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 486,000 | 729,000 | 1,177,000 | 1,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,394,000 | 10,587,000 | 10,894,000 | 10,989,000 |
| Total capital | 10,886,000 | 11,124,000 | 11,463,000 | 11,570,000 |
| Risk-weighted assets | 42,455,000 | 44,221,000 | 46,388,000 | 46,435,000 |
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