Call reports 2011
COMMERCIAL SAVINGS BANK — 2011
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 105,148,000 | 109,271,000 | 108,340,000 | 118,241,000 |
| Total loans | 72,489,000 | 77,535,000 | 76,645,000 | 78,562,000 |
| Allowance for loan losses | 800,000 | 841,000 | 871,000 | 901,000 |
| Securities available for sale | 19,927,000 | 19,810,000 | 17,787,000 | 17,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,373,000 | 89,162,000 | 90,806,000 | 101,343,000 |
| Interest-bearing deposits | 74,631,000 | 74,003,000 | 75,333,000 | 82,827,000 |
| Noninterest-bearing deposits | 15,742,000 | 15,159,000 | 15,473,000 | 18,516,000 |
| Equity capital | 10,052,000 | 10,253,000 | 10,460,000 | 10,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,127,000 | 3,214,000 | 4,308,000 |
| Interest expense | 157,000 | 304,000 | 451,000 | 591,000 |
| Net interest income | 895,000 | 1,823,000 | 2,763,000 | 3,717,000 |
| Noninterest income | 140,000 | 269,000 | 404,000 | 543,000 |
| Noninterest expense | 721,000 | 1,308,000 | 1,969,000 | 2,926,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 284,000 | 724,000 | 1,108,000 | 1,214,000 |
| Income tax | 14,000 | 36,000 | 58,000 | 65,000 |
| Net income | 270,000 | 688,000 | 1,050,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,865,000 | 9,936,000 | 10,125,000 | 9,886,000 |
| Total capital | 10,665,000 | 10,777,000 | 10,996,000 | 10,787,000 |
| Risk-weighted assets | 78,773,000 | 74,250,000 | 73,022,000 | 75,421,000 |