Call reports 2015
COMMERCIAL SAVINGS BANK — 2015
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 154,137,000 | 155,235,000 | 152,083,000 | 156,240,000 |
| Total loans | 104,302,000 | 109,996,000 | 112,721,000 | 111,071,000 |
| Allowance for loan losses | 1,248,000 | 1,269,000 | 1,294,000 | 1,322,000 |
| Securities available for sale | 30,505,000 | 24,027,000 | 21,044,000 | 20,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,677,000 | 129,935,000 | 128,140,000 | 133,539,000 |
| Interest-bearing deposits | 106,590,000 | 108,536,000 | 107,163,000 | 109,197,000 |
| Noninterest-bearing deposits | 23,087,000 | 21,399,000 | 20,977,000 | 24,342,000 |
| Equity capital | 11,972,000 | 11,950,000 | 12,303,000 | 12,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,237,000 | 2,533,000 | 3,877,000 | 5,239,000 |
| Interest expense | 130,000 | 269,000 | 425,000 | 544,000 |
| Net interest income | 1,107,000 | 2,264,000 | 3,452,000 | 4,695,000 |
| Noninterest income | 103,000 | 189,000 | 292,000 | 387,000 |
| Noninterest expense | 709,000 | 1,403,000 | 2,086,000 | 3,059,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 480,000 | 993,000 | 1,587,000 | 1,931,000 |
| Income tax | -36,000 | -11,000 | 11,000 | 27,000 |
| Net income | 516,000 | 1,004,000 | 1,576,000 | 1,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,865,000 | 11,883,000 | 12,204,000 | 12,032,000 |
| Total capital | 13,113,000 | 13,152,000 | 13,498,000 | 13,354,000 |
| Risk-weighted assets | 107,468,000 | 111,337,000 | 109,708,000 | 116,235,000 |