Call reports 2020
COMMERCIAL SAVINGS BANK — 2020
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 200,212,000 | 217,666,000 | 217,754,000 | 223,333,000 |
| Total loans | 149,548,000 | 162,496,000 | 164,437,000 | 152,317,000 |
| Allowance for loan losses | 1,747,000 | 1,769,000 | 1,654,000 | 1,698,000 |
| Securities available for sale | 13,411,000 | 15,272,000 | 18,344,000 | 27,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,003,000 | 178,744,000 | 178,917,000 | 189,961,000 |
| Interest-bearing deposits | 135,183,000 | 143,086,000 | 145,247,000 | 153,567,000 |
| Noninterest-bearing deposits | 26,820,000 | 35,658,000 | 33,670,000 | 36,394,000 |
| Equity capital | 17,079,000 | 17,149,000 | 17,548,000 | 17,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,945,000 | 3,798,000 | 5,634,000 | 7,733,000 |
| Interest expense | 473,000 | 870,000 | 1,227,000 | 1,544,000 |
| Net interest income | 1,472,000 | 2,928,000 | 4,407,000 | 6,189,000 |
| Noninterest income | 64,000 | 155,000 | 287,000 | 632,000 |
| Noninterest expense | 918,000 | 1,820,000 | 2,701,000 | 4,306,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 584,000 | 1,211,000 | 1,924,000 | 2,433,000 |
| Income tax | 20,000 | 61,000 | 96,000 | 115,000 |
| Net income | 564,000 | 1,150,000 | 1,828,000 | 2,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,887,000 | 16,946,000 | 17,362,000 | 17,330,000 |
| Total capital | 18,634,000 | 18,715,000 | 19,016,000 | 19,028,000 |
| Risk-weighted assets | 151,248,000 | 162,809,000 | 157,305,000 | 146,195,000 |