Call reports 2023
COMMERCIAL SAVINGS BANK — 2023
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 266,343,000 | 273,537,000 | 280,993,000 | 289,191,000 |
| Total loans | 179,237,000 | 185,773,000 | 199,610,000 | 208,386,000 |
| Allowance for loan losses | 1,871,000 | 1,892,000 | 1,969,000 | 2,013,000 |
| Securities available for sale | 60,461,000 | 58,539,000 | 53,867,000 | 55,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,973,000 | 234,653,000 | 241,548,000 | 249,109,000 |
| Interest-bearing deposits | 184,719,000 | 189,592,000 | 198,793,000 | 203,718,000 |
| Noninterest-bearing deposits | 48,254,000 | 45,061,000 | 42,755,000 | 45,391,000 |
| Equity capital | 16,577,000 | 16,427,000 | 16,590,000 | 17,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,464,000 | 5,101,000 | 8,006,000 | 11,184,000 |
| Interest expense | 710,000 | 1,623,000 | 2,816,000 | 4,335,000 |
| Net interest income | 1,754,000 | 3,478,000 | 5,190,000 | 6,849,000 |
| Noninterest income | 122,000 | 233,000 | 332,000 | 431,000 |
| Noninterest expense | 972,000 | 2,007,000 | 3,023,000 | 4,350,000 |
| Provision for loan losses | 21,000 | 42,000 | 133,000 | 177,000 |
| Pretax income | 896,000 | 1,685,000 | 2,344,000 | 2,757,000 |
| Income tax | 45,000 | 84,000 | 117,000 | 137,000 |
| Net income | 851,000 | 1,601,000 | 2,227,000 | 2,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,210,000 | 21,341,000 | 21,657,000 | 21,465,000 |
| Total capital | 23,081,000 | 23,233,000 | 23,625,000 | 23,477,000 |
| Risk-weighted assets | 160,205,000 | 167,727,000 | 177,345,000 | 185,732,000 |