Call reports 2008
COMMERCIAL SAVINGS BANK — 2008
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 104,379,000 | 101,466,000 | 104,083,000 | 106,946,000 |
| Total loans | 70,745,000 | 72,349,000 | 72,185,000 | 71,429,000 |
| Allowance for loan losses | 910,000 | 925,000 | 930,000 | 891,000 |
| Securities available for sale | 17,414,000 | 16,597,000 | 16,903,000 | 17,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,062,000 | 84,075,000 | 83,266,000 | 89,467,000 |
| Interest-bearing deposits | 73,394,000 | 69,655,000 | 69,078,000 | 69,545,000 |
| Noninterest-bearing deposits | 13,668,000 | 14,420,000 | 14,188,000 | 19,922,000 |
| Equity capital | 9,823,000 | 9,419,000 | 9,620,000 | 9,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,497,000 | 2,895,000 | 4,259,000 | 5,605,000 |
| Interest expense | 519,000 | 945,000 | 1,337,000 | 1,676,000 |
| Net interest income | 978,000 | 1,950,000 | 2,922,000 | 3,929,000 |
| Noninterest income | 111,000 | 222,000 | 330,000 | 422,000 |
| Noninterest expense | 684,000 | 1,431,000 | 2,125,000 | 3,242,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 390,000 | 711,000 | 1,186,000 | 1,153,000 |
| Income tax | 7,000 | 35,000 | 42,000 | 49,000 |
| Net income | 383,000 | 676,000 | 1,144,000 | 1,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,227,000 | 9,140,000 | 9,419,000 | 9,043,000 |
| Total capital | 10,137,000 | 10,065,000 | 10,349,000 | 9,934,000 |
| Risk-weighted assets | 73,786,000 | 78,543,000 | 82,516,000 | 86,216,000 |
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