Call reports 2013
COMMERCIAL SAVINGS BANK — 2013
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 140,798,000 | 137,910,000 | 138,496,000 | 140,739,000 |
| Total loans | 77,532,000 | 87,459,000 | 88,272,000 | 90,797,000 |
| Allowance for loan losses | 1,078,000 | 1,105,000 | 1,129,000 | 1,154,000 |
| Securities available for sale | 32,416,000 | 35,019,000 | 34,536,000 | 32,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,210,000 | 118,419,000 | 118,141,000 | 122,791,000 |
| Interest-bearing deposits | 97,880,000 | 99,778,000 | 98,518,000 | 102,145,000 |
| Noninterest-bearing deposits | 23,330,000 | 18,641,000 | 19,623,000 | 20,646,000 |
| Equity capital | 10,783,000 | 10,388,000 | 10,797,000 | 10,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,008,000 | 2,054,000 | 3,151,000 | 4,263,000 |
| Interest expense | 129,000 | 254,000 | 385,000 | 509,000 |
| Net interest income | 879,000 | 1,800,000 | 2,766,000 | 3,754,000 |
| Noninterest income | 205,000 | 369,000 | 523,000 | 673,000 |
| Noninterest expense | 679,000 | 1,355,000 | 2,014,000 | 2,951,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 384,000 | 772,000 | 1,212,000 | 1,392,000 |
| Income tax | 19,000 | 39,000 | 52,000 | 71,000 |
| Net income | 365,000 | 733,000 | 1,160,000 | 1,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,607,000 | 10,631,000 | 10,885,000 | 10,746,000 |
| Total capital | 11,676,000 | 11,736,000 | 12,014,000 | 11,900,000 |
| Risk-weighted assets | 85,546,000 | 95,278,000 | 94,347,000 | 96,570,000 |