Call reports 2025
COMMERCIAL SAVINGS BANK — 2025
What COMMERCIAL SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 321,210,000 | 311,820,000 | 316,049,000 | 335,554,000 |
| Total loans | 241,015,000 | 244,934,000 | 254,127,000 | 265,144,000 |
| Allowance for loan losses | 2,206,000 | 2,242,000 | 2,384,000 | 2,428,000 |
| Securities available for sale | 47,118,000 | 43,701,000 | 34,880,000 | 31,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,400,000 | 255,538,000 | 259,918,000 | 278,382,000 |
| Interest-bearing deposits | 226,599,000 | 211,922,000 | 215,240,000 | 227,996,000 |
| Noninterest-bearing deposits | 44,801,000 | 43,616,000 | 44,678,000 | 50,386,000 |
| Equity capital | 24,056,000 | 25,360,000 | 26,745,000 | 28,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,897,000 | 8,009,000 | 12,256,000 | 16,684,000 |
| Interest expense | 1,689,000 | 3,332,000 | 5,075,000 | 6,814,000 |
| Net interest income | 2,208,000 | 4,677,000 | 7,181,000 | 9,870,000 |
| Noninterest income | 192,000 | 573,000 | 916,000 | 1,207,000 |
| Noninterest expense | 1,221,000 | 2,456,000 | 3,616,000 | 5,419,000 |
| Provision for loan losses | 36,000 | 72,000 | 214,000 | 259,000 |
| Pretax income | 1,134,000 | 2,722,000 | 4,146,000 | 5,283,000 |
| Income tax | 40,000 | 95,000 | 151,000 | 191,000 |
| Net income | 1,094,000 | 2,627,000 | 3,995,000 | 5,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,806,000 | 26,688,000 | 27,614,000 | 28,686,000 |
| Total capital | 28,012,000 | 28,930,000 | 29,998,000 | 31,114,000 |
| Risk-weighted assets | 210,980,000 | 217,549,000 | 226,582,000 | 233,302,000 |