Call reports 2005
COMMERCIAL SAVINGS BANK — 2005
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 85,959,000 | 89,060,000 | 91,483,000 | 94,232,000 |
| Total loans | 62,271,000 | 67,637,000 | 69,065,000 | 68,598,000 |
| Allowance for loan losses | 733,000 | 748,000 | 763,000 | 776,000 |
| Securities available for sale | 19,063,000 | 17,565,000 | 16,486,000 | 17,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,792,000 | 71,621,000 | 78,003,000 | 81,192,000 |
| Interest-bearing deposits | 62,606,000 | 60,257,000 | 66,500,000 | 67,470,000 |
| Noninterest-bearing deposits | 11,186,000 | 11,364,000 | 11,503,000 | 13,722,000 |
| Equity capital | 8,074,000 | 8,120,000 | 8,174,000 | 8,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,010,000 | 2,079,000 | 3,237,000 | 4,477,000 |
| Interest expense | 191,000 | 429,000 | 719,000 | 1,061,000 |
| Net interest income | 819,000 | 1,650,000 | 2,518,000 | 3,416,000 |
| Noninterest income | 122,000 | 245,000 | 352,000 | 451,000 |
| Noninterest expense | 632,000 | 1,286,000 | 1,945,000 | 2,815,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 294,000 | 579,000 | 880,000 | 992,000 |
| Income tax | 14,000 | 27,000 | 42,000 | 46,000 |
| Net income | 280,000 | 552,000 | 838,000 | 946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,350,000 | 8,282,000 | 8,397,000 | 8,305,000 |
| Total capital | 9,083,000 | 9,030,000 | 9,160,000 | 9,081,000 |
| Risk-weighted assets | 63,054,000 | 68,473,000 | 69,507,000 | 70,400,000 |
Machine access — free, no API key
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