Call reports 2023
COMMUNITY STATE BANK — 2023
What COMMUNITY 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 | 112,304,000 | 113,380,000 | 123,090,000 | 125,772,000 |
| Total loans | 88,876,000 | 91,972,000 | 99,202,000 | 103,212,000 |
| Allowance for loan losses | 728,000 | 760,000 | 764,000 | 924,000 |
| Securities available for sale | 13,388,000 | 13,050,000 | 11,653,000 | 11,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,910,000 | 92,772,000 | 100,105,000 | 104,069,000 |
| Interest-bearing deposits | 74,366,000 | 72,554,000 | 81,575,000 | 84,058,000 |
| Noninterest-bearing deposits | 20,544,000 | 20,218,000 | 18,530,000 | 20,011,000 |
| Equity capital | 10,589,000 | 10,792,000 | 10,988,000 | 11,101,000 |
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 | 1,223,000 | 2,550,000 | 3,960,000 | 5,473,000 |
| Interest expense | 333,000 | 721,000 | 1,205,000 | 1,820,000 |
| Net interest income | 890,000 | 1,829,000 | 2,755,000 | 3,653,000 |
| Noninterest income | 56,000 | 118,000 | 167,000 | 237,000 |
| Noninterest expense | 461,000 | 926,000 | 1,470,000 | 2,038,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 90,000 |
| Pretax income | 455,000 | 961,000 | 1,392,000 | 1,762,000 |
| Income tax | 114,000 | 239,000 | 341,000 | 423,000 |
| Net income | 341,000 | 722,000 | 1,051,000 | 1,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,103,000 | 12,484,000 | 12,814,000 | 12,582,000 |