Call reports 2006
COMMERCIAL SAVINGS BANK — 2006
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 90,186,000 | 91,508,000 | 91,122,000 | 96,651,000 |
| Total loans | 67,090,000 | 69,902,000 | 71,941,000 | 71,698,000 |
| Allowance for loan losses | 791,000 | 806,000 | 821,000 | 835,000 |
| Securities available for sale | 17,351,000 | 17,281,000 | 15,468,000 | 14,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,247,000 | 73,735,000 | 74,486,000 | 81,352,000 |
| Interest-bearing deposits | 66,992,000 | 60,737,000 | 62,359,000 | 65,388,000 |
| Noninterest-bearing deposits | 11,255,000 | 12,998,000 | 12,127,000 | 15,964,000 |
| Equity capital | 8,328,000 | 8,276,000 | 8,554,000 | 8,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,244,000 | 2,545,000 | 3,895,000 | 5,324,000 |
| Interest expense | 371,000 | 801,000 | 1,290,000 | 1,828,000 |
| Net interest income | 873,000 | 1,744,000 | 2,605,000 | 3,496,000 |
| Noninterest income | 131,000 | 274,000 | 381,000 | 476,000 |
| Noninterest expense | 675,000 | 1,330,000 | 1,998,000 | 2,927,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 314,000 | 658,000 | 943,000 | 985,000 |
| Income tax | 15,000 | 32,000 | 45,000 | 49,000 |
| Net income | 299,000 | 626,000 | 898,000 | 936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,605,000 | 8,592,000 | 8,693,000 | 8,532,000 |
| Total capital | 9,396,000 | 9,398,000 | 9,514,000 | 9,367,000 |
| Risk-weighted assets | 67,284,000 | 69,859,000 | 70,600,000 | 70,838,000 |
Machine access — free, no API key
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