Call reports 2002
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2002
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 287,527,000 | 295,313,000 | 293,311,000 | 304,104,000 |
| Total loans | 170,289,000 | 181,486,000 | 189,500,000 | 199,810,000 |
| Allowance for loan losses | 3,984,000 | 3,756,000 | 3,061,000 | 2,701,000 |
| Securities available for sale | 27,556,000 | 22,640,000 | 19,871,000 | 22,672,000 |
| Securities held to maturity | 54,606,000 | 53,583,000 | 50,974,000 | 47,324,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,836,000 | 233,791,000 | 231,408,000 | 241,382,000 |
| Interest-bearing deposits | 208,660,000 | 206,538,000 | 201,698,000 | 207,579,000 |
| Noninterest-bearing deposits | 27,176,000 | 27,253,000 | 29,710,000 | 33,803,000 |
| Equity capital | 31,079,000 | 31,523,000 | 31,876,000 | 31,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,308,000 | 8,473,000 | 12,594,000 | 16,674,000 |
| Interest expense | 1,905,000 | 3,589,000 | 5,107,000 | 6,467,000 |
| Net interest income | 2,403,000 | 4,884,000 | 7,487,000 | 10,207,000 |
| Noninterest income | 463,000 | 957,000 | 1,457,000 | 1,921,000 |
| Noninterest expense | 2,681,000 | 5,332,000 | 8,046,000 | 10,890,000 |
| Provision for loan losses | 0 | -242,000 | -563,000 | -587,000 |
| Pretax income | 300,000 | 866,000 | 1,576,000 | 1,940,000 |
| Income tax | -79,000 | -58,000 | 12,000 | -29,000 |
| Net income | 379,000 | 924,000 | 1,564,000 | 1,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,060,000 | 31,343,000 | 31,720,000 | 31,863,000 |
| Total capital | 33,340,000 | 33,686,000 | 34,128,000 | 34,328,000 |
| Risk-weighted assets | 180,727,000 | 186,005,000 | 191,975,000 | 196,980,000 |
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