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 | 63,125,000 | 60,769,000 | 60,820,000 | 68,747,000 |
| Total loans | 18,871,000 | 18,911,000 | 16,859,000 | 20,031,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 40,299,000 | 38,823,000 | 40,635,000 | 44,863,000 |
| Securities held to maturity | 299,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,725,000 | 43,603,000 | 41,730,000 | 43,524,000 |
| Interest-bearing deposits | 38,644,000 | 37,906,000 | 36,810,000 | 38,053,000 |
| Noninterest-bearing deposits | 6,081,000 | 5,697,000 | 4,920,000 | 5,471,000 |
| Equity capital | 18,261,000 | 17,019,000 | 16,100,000 | 16,220,000 |
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 | 498,000 | 1,015,000 | 1,547,000 | 2,147,000 |
| Interest expense | 53,000 | 104,000 | 172,000 | 316,000 |
| Net interest income | 445,000 | 911,000 | 1,375,000 | 1,831,000 |
| Noninterest income | 9,000 | 12,000 | 14,000 | 15,000 |
| Noninterest expense | 147,000 | 304,000 | 455,000 | 1,044,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 307,000 | 627,000 | 942,000 | 810,000 |
| Income tax | 59,000 | 123,000 | 185,000 | 185,000 |
| Net income | 248,000 | 504,000 | 757,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,752,000 | 20,008,000 | 20,261,000 | 20,129,000 |
| Total capital | 20,002,000 | 20,258,000 | — | — |
| Risk-weighted assets | 55,854,000 | 56,701,000 | — | — |