Call reports 2021
COMMERCIAL SAVINGS BANK — 2021
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 232,066,000 | 238,030,000 | 238,396,000 | 237,393,000 |
| Total loans | 157,113,000 | 156,647,000 | 152,984,000 | 155,401,000 |
| Allowance for loan losses | 1,721,000 | 1,759,000 | 1,780,000 | 1,801,000 |
| Securities available for sale | 31,045,000 | 37,214,000 | 45,634,000 | 48,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,518,000 | 203,242,000 | 202,726,000 | 204,742,000 |
| Interest-bearing deposits | 160,750,000 | 161,511,000 | 162,479,000 | 163,297,000 |
| Noninterest-bearing deposits | 36,768,000 | 41,731,000 | 40,247,000 | 41,445,000 |
| Equity capital | 17,968,000 | 18,336,000 | 19,153,000 | 18,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,667,000 | 3,416,000 | 5,134,000 | 8,059,000 |
| Interest expense | 256,000 | 509,000 | 757,000 | 996,000 |
| Net interest income | 1,411,000 | 2,907,000 | 4,377,000 | 7,063,000 |
| Noninterest income | 321,000 | 811,000 | 1,500,000 | 563,000 |
| Noninterest expense | 919,000 | 1,932,000 | 2,813,000 | 4,263,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 806,000 | 1,760,000 | 3,022,000 | 3,310,000 |
| Income tax | 29,000 | 88,000 | 158,000 | 162,000 |
| Net income | 777,000 | 1,672,000 | 2,864,000 | 3,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,107,000 | 18,509,000 | 19,407,000 | 18,993,000 |
| Total capital | 19,828,000 | 20,218,000 | 21,187,000 | 20,752,000 |
| Risk-weighted assets | 146,336,000 | 136,686,000 | 143,495,000 | 140,715,000 |