Call reports 2007
COMMERCIAL SAVINGS BANK — 2007
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 96,214,000 | 94,074,000 | 94,716,000 | 105,359,000 |
| Total loans | 69,353,000 | 69,319,000 | 71,224,000 | 76,493,000 |
| Allowance for loan losses | 850,000 | 865,000 | 880,000 | 895,000 |
| Securities available for sale | 14,560,000 | 15,820,000 | 17,092,000 | 16,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,419,000 | 77,974,000 | 77,649,000 | 89,377,000 |
| Interest-bearing deposits | 67,717,000 | 65,648,000 | 65,315,000 | 72,364,000 |
| Noninterest-bearing deposits | 11,702,000 | 12,326,000 | 12,334,000 | 17,013,000 |
| Equity capital | 8,807,000 | 8,771,000 | 9,181,000 | 9,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 2,935,000 | 4,427,000 | 5,967,000 |
| Interest expense | 560,000 | 1,129,000 | 1,690,000 | 2,276,000 |
| Net interest income | 889,000 | 1,806,000 | 2,737,000 | 3,691,000 |
| Noninterest income | 145,000 | 273,000 | 429,000 | 538,000 |
| Noninterest expense | 670,000 | 1,323,000 | 1,998,000 | 3,017,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 349,000 | 726,000 | 1,123,000 | 1,152,000 |
| Income tax | 16,000 | 35,000 | 53,000 | 55,000 |
| Net income | 333,000 | 691,000 | 1,070,000 | 1,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,865,000 | 8,883,000 | 9,092,000 | 8,844,000 |
| Total capital | 9,715,000 | 9,748,000 | 9,972,000 | 9,739,000 |
| Risk-weighted assets | 70,688,000 | 70,429,000 | 71,667,000 | 81,569,000 |
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