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 | 66,709,000 | 68,067,000 | 70,524,000 | 72,762,000 |
| Total loans | 16,365,000 | 16,781,000 | 18,616,000 | 19,748,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 239,000 |
| Securities available for sale | 45,067,000 | 45,472,000 | 45,289,000 | 46,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,122,000 | 45,408,000 | 46,603,000 | 48,046,000 |
| Interest-bearing deposits | 40,323,000 | 41,210,000 | 42,383,000 | 43,446,000 |
| Noninterest-bearing deposits | 4,799,000 | 4,198,000 | 4,220,000 | 4,600,000 |
| Equity capital | 16,805,000 | 16,526,000 | 15,949,000 | 17,198,000 |
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 | 676,000 | 1,405,000 | 2,183,000 | 3,020,000 |
| Interest expense | 256,000 | 576,000 | 971,000 | 1,440,000 |
| Net interest income | 420,000 | 829,000 | 1,212,000 | 1,580,000 |
| Noninterest income | 4,000 | 9,000 | 11,000 | 14,000 |
| Noninterest expense | 162,000 | 333,000 | 468,000 | 1,070,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 262,000 | 505,000 | 755,000 | 558,000 |
| Income tax | 50,000 | 95,000 | 141,000 | 134,000 |
| Net income | 212,000 | 410,000 | 614,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,341,000 | 20,539,000 | 20,742,000 | 20,553,000 |
| Total capital | — | 20,789,000 | 20,992,000 | — |
| Risk-weighted assets | — | 56,899,000 | 58,431,000 | — |