Call reports 2018
COMMERCIAL SAVINGS BANK — 2018
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 177,901,000 | 177,673,000 | 183,159,000 | 193,996,000 |
| Total loans | 129,994,000 | 134,137,000 | 141,986,000 | 147,461,000 |
| Allowance for loan losses | 1,541,000 | 1,562,000 | 1,599,000 | 1,624,000 |
| Securities available for sale | 14,527,000 | 13,335,000 | 13,273,000 | 12,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,127,000 | 150,033,000 | 154,928,000 | 165,029,000 |
| Interest-bearing deposits | 124,640,000 | 123,512,000 | 125,714,000 | 139,180,000 |
| Noninterest-bearing deposits | 24,487,000 | 26,521,000 | 29,214,000 | 25,849,000 |
| Equity capital | 14,472,000 | 14,589,000 | 15,016,000 | 14,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,612,000 | 3,282,000 | 5,056,000 | 6,936,000 |
| Interest expense | 237,000 | 501,000 | 784,000 | 1,159,000 |
| Net interest income | 1,375,000 | 2,781,000 | 4,272,000 | 5,777,000 |
| Noninterest income | 153,000 | 227,000 | 297,000 | 317,000 |
| Noninterest expense | 747,000 | 1,499,000 | 2,297,000 | 3,558,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 760,000 | 1,464,000 | 2,206,000 | 2,449,000 |
| Income tax | 37,000 | 83,000 | 99,000 | 122,000 |
| Net income | 723,000 | 1,381,000 | 2,107,000 | 2,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,645,000 | 14,780,000 | 15,244,000 | 14,960,000 |
| Total capital | 16,186,000 | 16,342,000 | 16,843,000 | 16,584,000 |
| Risk-weighted assets | 127,555,000 | 126,216,000 | 129,195,000 | 140,339,000 |