Call reports 2016
COMMERCIAL SAVINGS BANK — 2016
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 157,581,000 | 156,084,000 | 159,915,000 | 171,088,000 |
| Total loans | 111,964,000 | 114,342,000 | 119,224,000 | 121,679,000 |
| Allowance for loan losses | 1,350,000 | 1,388,000 | 1,417,000 | 1,427,000 |
| Securities available for sale | 21,858,000 | 20,771,000 | 16,637,000 | 16,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,117,000 | 130,656,000 | 128,291,000 | 145,049,000 |
| Interest-bearing deposits | 112,813,000 | 108,377,000 | 103,631,000 | 112,797,000 |
| Noninterest-bearing deposits | 22,304,000 | 22,279,000 | 24,660,000 | 32,252,000 |
| Equity capital | 12,584,000 | 12,730,000 | 13,221,000 | 12,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,335,000 | 2,688,000 | 4,097,000 | 5,540,000 |
| Interest expense | 149,000 | 284,000 | 408,000 | 563,000 |
| Net interest income | 1,186,000 | 2,404,000 | 3,689,000 | 4,977,000 |
| Noninterest income | 90,000 | 195,000 | 297,000 | 386,000 |
| Noninterest expense | 774,000 | 1,485,000 | 2,199,000 | 3,119,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 481,000 | 1,072,000 | 1,726,000 | 2,162,000 |
| Income tax | 25,000 | 53,000 | 75,000 | 105,000 |
| Net income | 456,000 | 1,019,000 | 1,651,000 | 2,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,488,000 | 12,549,000 | 13,113,000 | 13,019,000 |
| Total capital | 13,838,000 | 13,841,000 | 14,493,000 | 14,446,000 |
| Risk-weighted assets | 108,498,000 | 103,249,000 | 110,330,000 | 120,178,000 |