Call reports 2019
COMMERCIAL SAVINGS BANK — 2019
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 192,793,000 | 191,436,000 | 191,713,000 | 194,995,000 |
| Total loans | 150,529,000 | 149,586,000 | 150,026,000 | 149,457,000 |
| Allowance for loan losses | 1,647,000 | 1,660,000 | 1,705,000 | 1,726,000 |
| Securities available for sale | 13,298,000 | 12,911,000 | 13,470,000 | 13,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,967,000 | 156,537,000 | 154,823,000 | 159,541,000 |
| Interest-bearing deposits | 133,610,000 | 129,027,000 | 28,895,000 | 25,701,000 |
| Noninterest-bearing deposits | 25,357,000 | 27,510,000 | 125,928,000 | 133,840,000 |
| Equity capital | 15,655,000 | 15,890,000 | 16,316,000 | 16,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,011,000 | 4,004,000 | 6,016,000 | 8,003,000 |
| Interest expense | 444,000 | 931,000 | 1,422,000 | 1,918,000 |
| Net interest income | 1,567,000 | 3,073,000 | 4,594,000 | 6,085,000 |
| Noninterest income | 79,000 | 161,000 | 234,000 | 388,000 |
| Noninterest expense | 896,000 | 1,762,000 | 2,614,000 | 3,710,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 729,000 | 1,430,000 | 2,151,000 | 2,722,000 |
| Income tax | -24,000 | 11,000 | 47,000 | 52,000 |
| Net income | 753,000 | 1,419,000 | 2,104,000 | 2,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,711,000 | 15,855,000 | 16,278,000 | 16,323,000 |
| Total capital | 17,358,000 | 17,515,000 | 17,983,000 | 18,049,000 |
| Risk-weighted assets | 138,061,000 | 141,744,000 | 143,741,000 | 144,121,000 |