Call reports 2014
COMMERCIAL SAVINGS BANK — 2014
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 144,073,000 | 146,736,000 | 147,271,000 | 154,044,000 |
| Total loans | 91,113,000 | 94,275,000 | 95,253,000 | 102,479,000 |
| Allowance for loan losses | 1,182,000 | 1,206,000 | 1,240,000 | 1,224,000 |
| Securities available for sale | 33,247,000 | 32,055,000 | 31,125,000 | 30,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,019,000 | 126,460,000 | 126,208,000 | 128,287,000 |
| Interest-bearing deposits | 105,374,000 | 106,087,000 | 104,056,000 | 105,342,000 |
| Noninterest-bearing deposits | 20,645,000 | 20,373,000 | 22,152,000 | 22,945,000 |
| Equity capital | 11,035,000 | 11,144,000 | 11,355,000 | 11,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,110,000 | 2,258,000 | 3,437,000 | 4,661,000 |
| Interest expense | 121,000 | 241,000 | 363,000 | 486,000 |
| Net interest income | 989,000 | 2,017,000 | 3,074,000 | 4,175,000 |
| Noninterest income | 93,000 | 194,000 | 280,000 | 360,000 |
| Noninterest expense | 697,000 | 1,372,000 | 2,052,000 | 2,925,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 364,000 | 797,000 | 1,239,000 | 1,526,000 |
| Income tax | 18,000 | 40,000 | 62,000 | 76,000 |
| Net income | 346,000 | 757,000 | 1,177,000 | 1,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,092,000 | 11,144,000 | 11,376,000 | 11,349,000 |
| Total capital | 12,274,000 | 12,350,000 | 12,616,000 | 12,573,000 |
| Risk-weighted assets | 98,872,000 | 99,575,000 | 116,905,000 | 106,812,000 |