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 | 69,939,000 | 74,091,000 | 75,533,000 | 75,985,000 |
| Total loans | 15,053,000 | 17,752,000 | 17,987,000 | 19,719,000 |
| Allowance for loan losses | 239,000 | 240,000 | 240,000 | 242,000 |
| Securities available for sale | 48,610,000 | 49,637,000 | 50,488,000 | 49,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,169,000 | 48,317,000 | 48,790,000 | 50,417,000 |
| Interest-bearing deposits | 44,671,000 | 3,756,000 | 44,640,000 | 46,171,000 |
| Noninterest-bearing deposits | 4,498,000 | 44,561,000 | 4,150,000 | 4,246,000 |
| Equity capital | 17,252,000 | 17,472,000 | 18,755,000 | 17,524,000 |
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 | 801,000 | 1,622,000 | 2,481,000 | 3,362,000 |
| Interest expense | 493,000 | 972,000 | 1,507,000 | 2,028,000 |
| Net interest income | 308,000 | 650,000 | 974,000 | 1,334,000 |
| Noninterest income | 4,000 | 9,000 | 13,000 | 15,000 |
| Noninterest expense | 161,000 | 342,000 | 492,000 | 1,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 151,000 | 317,000 | 495,000 | 261,000 |
| Income tax | 25,000 | 52,000 | 81,000 | 58,000 |
| Net income | 126,000 | 265,000 | 414,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,679,000 | 20,817,000 | 20,967,000 | 20,756,000 |
| Total capital | 20,918,000 | — | 21,206,000 | — |
| Risk-weighted assets | 56,623,000 | — | 58,720,000 | — |