Call reports 2024
COMMERCIAL SAVINGS BANK — 2024
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 293,024,000 | 297,662,000 | 309,313,000 | 318,777,000 |
| Total loans | 214,261,000 | 222,175,000 | 232,509,000 | 238,119,000 |
| Allowance for loan losses | 2,034,000 | 2,070,000 | 2,141,000 | 2,171,000 |
| Securities available for sale | 55,049,000 | 50,894,000 | 48,727,000 | 47,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,961,000 | 252,170,000 | 258,190,000 | 269,063,000 |
| Interest-bearing deposits | 207,022,000 | 209,157,000 | 215,348,000 | 224,412,000 |
| Noninterest-bearing deposits | 42,939,000 | 43,013,000 | 42,842,000 | 44,651,000 |
| Equity capital | 18,475,000 | 18,804,000 | 20,495,000 | 22,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,298,000 | 6,757,000 | 10,497,000 | 14,413,000 |
| Interest expense | 1,644,000 | 3,404,000 | 5,300,000 | 7,167,000 |
| Net interest income | 1,654,000 | 3,353,000 | 5,197,000 | 7,246,000 |
| Noninterest income | 115,000 | 256,000 | 423,000 | 602,000 |
| Noninterest expense | 1,103,000 | 2,301,000 | 3,376,000 | 4,863,000 |
| Provision for loan losses | 21,000 | 42,000 | 148,000 | 184,000 |
| Pretax income | 646,000 | 1,249,000 | 2,089,000 | 2,805,000 |
| Income tax | 23,000 | 39,000 | 64,000 | 108,000 |
| Net income | 623,000 | 1,210,000 | 2,025,000 | 2,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,087,000 | 22,058,000 | 22,565,000 | 24,737,000 |
| Total capital | 24,120,000 | 24,128,000 | 24,706,000 | 26,908,000 |
| Risk-weighted assets | 191,656,000 | 197,326,000 | 211,486,000 | 214,702,000 |