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 | 114,446,000 | 112,768,000 | 111,366,000 | 106,659,000 |
| Total loans | 41,469,000 | 42,162,000 | 42,842,000 | 42,538,000 |
| Allowance for loan losses | 727,000 | 697,000 | 708,000 | 686,000 |
| Securities available for sale | 45,065,000 | 44,115,000 | 43,731,000 | 48,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,413,000 | 102,495,000 | 99,937,000 | 96,115,000 |
| Interest-bearing deposits | 46,889,000 | 46,568,000 | 44,127,000 | 44,438,000 |
| Noninterest-bearing deposits | 57,524,000 | 55,927,000 | 55,810,000 | 51,677,000 |
| Equity capital | 9,524,000 | 9,754,000 | 10,865,000 | 10,142,000 |
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 | 1,392,000 | 2,851,000 | 4,368,000 | 5,801,000 |
| Interest expense | 46,000 | 99,000 | 152,000 | 206,000 |
| Net interest income | 1,346,000 | 2,752,000 | 4,216,000 | 5,595,000 |
| Noninterest income | 181,000 | 366,000 | 581,000 | 775,000 |
| Noninterest expense | 855,000 | 1,740,000 | 2,695,000 | 3,741,000 |
| Provision for loan losses | 0 | 80,000 | 370,000 | 620,000 |
| Pretax income | 672,000 | 1,298,000 | 1,732,000 | 2,009,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 672,000 | 1,298,000 | 1,732,000 | 2,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,606,000 | 12,138,000 | 12,519,000 | 12,342,000 |
| Total capital | 12,228,000 | 12,766,000 | 13,171,000 | 12,977,000 |
| Risk-weighted assets | 49,679,000 | 50,176,000 | 52,125,000 | 50,739,000 |
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