Call reports 2025
COMMERCIAL STATE BANK — 2025
What COMMERCIAL STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 73,389,000 | 76,748,000 | 79,186,000 | 75,295,000 |
| Total loans | 18,714,000 | 20,446,000 | 22,847,000 | 22,115,000 |
| Allowance for loan losses | 242,000 | 242,000 | 242,000 | 244,000 |
| Securities available for sale | 48,659,000 | 51,591,000 | 51,084,000 | 49,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,819,000 | 50,597,000 | 50,529,000 | 50,271,000 |
| Interest-bearing deposits | 46,383,000 | 47,002,000 | 47,320,000 | 45,910,000 |
| Noninterest-bearing deposits | 4,436,000 | 3,595,000 | 3,209,000 | 4,361,000 |
| Equity capital | 18,194,000 | 18,544,000 | 19,411,000 | 19,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 864,000 | 1,762,000 | 2,708,000 | 3,632,000 |
| Interest expense | 463,000 | 905,000 | 1,396,000 | 1,837,000 |
| Net interest income | 401,000 | 857,000 | 1,312,000 | 1,795,000 |
| Noninterest income | 5,000 | 13,000 | 15,000 | 18,000 |
| Noninterest expense | 168,000 | 318,000 | 464,000 | 1,214,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 238,000 | 552,000 | 863,000 | 599,000 |
| Income tax | 42,000 | 100,000 | 175,000 | 95,000 |
| Net income | 196,000 | 452,000 | 688,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,954,000 | 21,209,000 | 21,444,000 | 21,261,000 |