Call reports 2012
COMMERCIAL SAVINGS BANK — 2012
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 118,820,000 | 119,050,000 | 122,199,000 | 145,619,000 |
| Total loans | 76,384,000 | 79,807,000 | 81,461,000 | 83,464,000 |
| Allowance for loan losses | 931,000 | 961,000 | 993,000 | 1,051,000 |
| Securities available for sale | 18,109,000 | 23,606,000 | 24,608,000 | 29,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,889,000 | 100,236,000 | 102,863,000 | 126,759,000 |
| Interest-bearing deposits | 83,594,000 | 86,488,000 | 83,274,000 | 98,715,000 |
| Noninterest-bearing deposits | 17,295,000 | 13,748,000 | 19,589,000 | 28,044,000 |
| Equity capital | 10,563,000 | 10,491,000 | 10,666,000 | 10,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,146,000 | 2,171,000 | 3,210,000 | 4,267,000 |
| Interest expense | 129,000 | 258,000 | 392,000 | 522,000 |
| Net interest income | 1,017,000 | 1,913,000 | 2,818,000 | 3,745,000 |
| Noninterest income | 139,000 | 264,000 | 402,000 | 537,000 |
| Noninterest expense | 678,000 | 1,312,000 | 1,954,000 | 2,817,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 448,000 | 805,000 | 1,176,000 | 1,345,000 |
| Income tax | 22,000 | 40,000 | 59,000 | 70,000 |
| Net income | 426,000 | 765,000 | 1,117,000 | 1,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,311,000 | 10,238,000 | 10,384,000 | 10,242,000 |
| Total capital | 11,237,000 | 11,199,000 | 11,377,000 | 11,293,000 |
| Risk-weighted assets | 74,081,000 | 81,465,000 | 82,877,000 | 90,981,000 |