Call reports 2009
COMMERCIAL SAVINGS BANK — 2009
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 103,210,000 | 102,621,000 | 102,786,000 | 107,729,000 |
| Total loans | 71,709,000 | 74,267,000 | 75,688,000 | 76,247,000 |
| Allowance for loan losses | 906,000 | 778,000 | 840,000 | 736,000 |
| Securities available for sale | 17,103,000 | 16,294,000 | 15,264,000 | 13,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,567,000 | 84,213,000 | 84,995,000 | 93,220,000 |
| Interest-bearing deposits | 72,624,000 | 70,606,000 | 70,291,000 | 71,250,000 |
| Noninterest-bearing deposits | 12,943,000 | 13,607,000 | 14,704,000 | 21,970,000 |
| Equity capital | 9,866,000 | 9,807,000 | 9,931,000 | 9,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,237,000 | 2,471,000 | 3,698,000 | 4,934,000 |
| Interest expense | 286,000 | 546,000 | 790,000 | 1,001,000 |
| Net interest income | 951,000 | 1,925,000 | 2,908,000 | 3,933,000 |
| Noninterest income | 137,000 | 300,000 | 413,000 | 542,000 |
| Noninterest expense | 699,000 | 1,460,000 | 2,219,000 | 3,251,000 |
| Provision for loan losses | 15,000 | 35,000 | 65,000 | 95,000 |
| Pretax income | 374,000 | 730,000 | 1,037,000 | 1,129,000 |
| Income tax | 19,000 | 39,000 | 48,000 | 53,000 |
| Net income | 355,000 | 691,000 | 989,000 | 1,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,399,000 | 9,389,000 | 9,514,000 | 9,245,000 |
| Total capital | 10,305,000 | 10,167,000 | 10,354,000 | 9,981,000 |
| Risk-weighted assets | 80,754,000 | 82,673,000 | 82,359,000 | 70,560,000 |
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