Call reports 2021
COMMERCIAL STATE BANK — 2021
What COMMERCIAL STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 64,159,000 | 63,496,000 | 63,487,000 | 64,998,000 |
| Total loans | 16,631,000 | 17,140,000 | 16,961,000 | 18,369,000 |
| Allowance for loan losses | 231,000 | 231,000 | 230,000 | 230,000 |
| Securities available for sale | 40,711,000 | 39,533,000 | 39,257,000 | 40,891,000 |
| Securities held to maturity | 299,000 | 299,000 | 299,000 | 299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,108,000 | 43,087,000 | 42,833,000 | 45,018,000 |
| Interest-bearing deposits | 38,341,000 | 37,905,000 | 37,931,000 | 39,514,000 |
| Noninterest-bearing deposits | 5,767,000 | 5,182,000 | 4,902,000 | 5,504,000 |
| Equity capital | 19,692,000 | 20,072,000 | 20,302,000 | 19,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,064,000 | 1,559,000 | 2,055,000 |
| Interest expense | 78,000 | 144,000 | 206,000 | 262,000 |
| Net interest income | 451,000 | 920,000 | 1,353,000 | 1,793,000 |
| Noninterest income | 5,000 | 6,000 | 8,000 | 10,000 |
| Noninterest expense | 158,000 | 326,000 | 491,000 | 1,065,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 298,000 | 600,000 | 870,000 | 738,000 |
| Income tax | 58,000 | 118,000 | 171,000 | 156,000 |
| Net income | 240,000 | 482,000 | 699,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,162,000 | 19,405,000 | 19,621,000 | 19,504,000 |
| Total capital | — | 19,636,000 | 19,851,000 | — |
| Risk-weighted assets | — | 52,572,000 | 51,885,000 | — |