Call reports 2004
COMMERCIAL SAVINGS BANK — 2004
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,985,000 | 80,234,000 | 83,009,000 | 85,321,000 |
| Total loans | 58,566,000 | 60,942,000 | 63,487,000 | 62,006,000 |
| Allowance for loan losses | 682,000 | 692,000 | 703,000 | 718,000 |
| Securities available for sale | 15,846,000 | 16,285,000 | 16,202,000 | 15,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,331,000 | 66,909,000 | 70,859,000 | 73,296,000 |
| Interest-bearing deposits | 59,547,000 | 56,338,000 | 59,400,000 | 59,904,000 |
| Noninterest-bearing deposits | 9,784,000 | 10,571,000 | 11,459,000 | 13,392,000 |
| Equity capital | 8,528,000 | 8,171,000 | 8,300,000 | 7,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,908,000 | 2,879,000 | 3,888,000 |
| Interest expense | 178,000 | 348,000 | 523,000 | 706,000 |
| Net interest income | 784,000 | 1,560,000 | 2,356,000 | 3,182,000 |
| Noninterest income | 96,000 | 184,000 | 262,000 | 337,000 |
| Noninterest expense | 568,000 | 1,134,000 | 1,712,000 | 2,638,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 297,000 | 580,000 | 861,000 | 821,000 |
| Income tax | 14,000 | 28,000 | 41,000 | 40,000 |
| Net income | 283,000 | 552,000 | 820,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,312,000 | 8,211,000 | 8,309,000 | 8,070,000 |
| Total capital | 8,994,000 | 8,903,000 | 9,012,000 | 8,788,000 |
| Risk-weighted assets | 58,917,000 | 60,619,000 | 63,199,000 | 63,472,000 |
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