Call reports 2022
COMMERCIAL SAVINGS BANK — 2022
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 242,773,000 | 255,679,000 | 258,240,000 | 261,097,000 |
| Total loans | 156,722,000 | 161,200,000 | 169,737,000 | 176,962,000 |
| Allowance for loan losses | 1,822,000 | 1,833,000 | 1,837,000 | 1,858,000 |
| Securities available for sale | 53,232,000 | 57,269,000 | 56,451,000 | 59,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,084,000 | 227,140,000 | 231,023,000 | 226,928,000 |
| Interest-bearing deposits | 168,183,000 | 182,081,000 | 180,237,000 | 177,779,000 |
| Noninterest-bearing deposits | 44,901,000 | 45,059,000 | 50,786,000 | 49,149,000 |
| Equity capital | 16,255,000 | 15,372,000 | 14,372,000 | 14,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,628,000 | 5,731,000 | 8,057,000 |
| Interest expense | 216,000 | 443,000 | 696,000 | 1,204,000 |
| Net interest income | 1,517,000 | 3,185,000 | 5,035,000 | 6,853,000 |
| Noninterest income | 125,000 | 284,000 | 375,000 | 546,000 |
| Noninterest expense | 995,000 | 1,985,000 | 2,935,000 | 4,272,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 644,000 | 1,450,000 | 2,421,000 | 3,061,000 |
| Income tax | 32,000 | 58,000 | 123,000 | 150,000 |
| Net income | 612,000 | 1,392,000 | 2,298,000 | 2,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,605,000 | 19,824,000 | 20,448,000 | 20,358,000 |
| Total capital | 21,427,000 | 21,648,000 | 22,285,000 | 22,216,000 |
| Risk-weighted assets | 146,667,000 | 145,985,000 | 151,612,000 | 156,718,000 |