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 | 58,509,000 | 62,373,000 | 62,997,000 | 63,920,000 |
| Total loans | 19,229,000 | 19,970,000 | 21,928,000 | 18,168,000 |
| Allowance for loan losses | 231,000 | 233,000 | 229,000 | 231,000 |
| Securities available for sale | 29,592,000 | 32,588,000 | 34,126,000 | 35,362,000 |
| Securities held to maturity | 299,000 | 299,000 | 299,000 | 299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,447,000 | 42,260,000 | 42,615,000 | 43,489,000 |
| Interest-bearing deposits | 37,001,000 | 37,717,000 | 38,266,000 | 38,311,000 |
| Noninterest-bearing deposits | 3,446,000 | 4,543,000 | 4,349,000 | 5,178,000 |
| Equity capital | 17,814,000 | 19,648,000 | 19,893,000 | 19,951,000 |
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 | 596,000 | 1,171,000 | 1,762,000 | 2,316,000 |
| Interest expense | 165,000 | 311,000 | 444,000 | 555,000 |
| Net interest income | 431,000 | 860,000 | 1,318,000 | 1,761,000 |
| Noninterest income | 6,000 | 8,000 | 11,000 | 13,000 |
| Noninterest expense | 185,000 | 367,000 | 544,000 | 1,051,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 257,000 | 506,000 | 790,000 | 728,000 |
| Income tax | 48,000 | 95,000 | 151,000 | 148,000 |
| Net income | 209,000 | 411,000 | 639,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,561,000 | 18,761,000 | 18,990,000 | 18,931,000 |
| Total capital | 18,792,000 | — | — | — |
| Risk-weighted assets | 47,679,000 | — | — | — |