Call reports 2010
COMMERCIAL SAVINGS BANK — 2010
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 103,290,000 | 104,572,000 | 105,240,000 | 111,914,000 |
| Total loans | 73,590,000 | 75,823,000 | 75,429,000 | 78,948,000 |
| Allowance for loan losses | 766,000 | 726,000 | 756,000 | 770,000 |
| Securities available for sale | 13,844,000 | 15,191,000 | 15,103,000 | 17,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,613,000 | 89,718,000 | 88,388,000 | 96,309,000 |
| Interest-bearing deposits | 73,735,000 | 73,265,000 | 73,409,000 | 75,519,000 |
| Noninterest-bearing deposits | 14,878,000 | 16,453,000 | 14,979,000 | 20,790,000 |
| Equity capital | 9,840,000 | 9,837,000 | 10,022,000 | 9,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,155,000 | 2,323,000 | 3,481,000 | 4,581,000 |
| Interest expense | 187,000 | 369,000 | 547,000 | 723,000 |
| Net interest income | 968,000 | 1,954,000 | 2,934,000 | 3,858,000 |
| Noninterest income | 113,000 | 223,000 | 358,000 | 523,000 |
| Noninterest expense | 755,000 | 1,501,000 | 2,208,000 | 2,659,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 458,000 |
| Pretax income | 296,000 | 616,000 | 994,000 | 1,264,000 |
| Income tax | 10,000 | 31,000 | 50,000 | 39,000 |
| Net income | 286,000 | 585,000 | 944,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,530,000 | 9,484,000 | 9,669,000 | 9,594,000 |
| Total capital | 10,296,000 | 10,210,000 | 10,425,000 | 10,364,000 |
| Risk-weighted assets | 68,391,000 | 79,638,000 | 72,203,000 | 74,529,000 |
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