Call reports 2017
COMMERCIAL SAVINGS BANK — 2017
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 170,396,000 | 161,775,000 | 166,254,000 | 176,868,000 |
| Total loans | 119,504,000 | 123,652,000 | 128,372,000 | 132,486,000 |
| Allowance for loan losses | 1,418,000 | 1,446,000 | 1,467,000 | 1,506,000 |
| Securities available for sale | 16,842,000 | 15,639,000 | 15,594,000 | 14,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,145,000 | 134,497,000 | 138,366,000 | 148,577,000 |
| Interest-bearing deposits | 121,732,000 | 112,108,000 | 115,170,000 | 121,324,000 |
| Noninterest-bearing deposits | 22,413,000 | 22,389,000 | 23,196,000 | 27,253,000 |
| Equity capital | 13,524,000 | 13,611,000 | 13,957,000 | 13,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,430,000 | 2,900,000 | 4,428,000 | 6,020,000 |
| Interest expense | 163,000 | 348,000 | 548,000 | 765,000 |
| Net interest income | 1,267,000 | 2,552,000 | 3,880,000 | 5,255,000 |
| Noninterest income | 91,000 | 179,000 | 247,000 | 321,000 |
| Noninterest expense | 770,000 | 1,526,000 | 2,256,000 | 3,184,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 564,000 | 1,160,000 | 1,805,000 | 2,305,000 |
| Income tax | 31,000 | 57,000 | 92,000 | 113,000 |
| Net income | 533,000 | 1,103,000 | 1,713,000 | 2,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,524,000 | 13,611,000 | 13,957,000 | 13,922,000 |
| Total capital | 14,942,000 | 15,021,000 | 15,409,000 | 15,428,000 |
| Risk-weighted assets | 120,083,000 | 112,730,000 | 116,146,000 | 126,609,000 |