Call reports 2003
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2003
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 301,188,000 | 304,501,000 | 305,302,000 | 305,578,000 |
| Total loans | 208,715,000 | 211,992,000 | 209,386,000 | 213,255,000 |
| Allowance for loan losses | 2,561,000 | 2,555,000 | 2,427,000 | 2,459,000 |
| Securities available for sale | 20,369,000 | 21,736,000 | 30,235,000 | 28,990,000 |
| Securities held to maturity | 45,753,000 | 43,093,000 | 40,690,000 | 35,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,120,000 | 234,816,000 | 238,752,000 | 250,626,000 |
| Interest-bearing deposits | 202,249,000 | 204,322,000 | 207,321,000 | 215,419,000 |
| Noninterest-bearing deposits | 32,871,000 | 30,494,000 | 31,431,000 | 35,207,000 |
| Equity capital | 32,263,000 | 32,578,000 | 32,524,000 | 32,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,953,000 | 7,885,000 | 11,693,000 | 15,389,000 |
| Interest expense | 1,226,000 | 2,415,000 | 3,556,000 | 4,631,000 |
| Net interest income | 2,727,000 | 5,470,000 | 8,137,000 | 10,758,000 |
| Noninterest income | 467,000 | 1,026,000 | 1,634,000 | 2,155,000 |
| Noninterest expense | 2,559,000 | 5,184,000 | 8,171,000 | 10,695,000 |
| Provision for loan losses | -71,000 | -51,000 | -51,000 | -51,000 |
| Pretax income | 706,000 | 1,363,000 | 1,651,000 | 2,270,000 |
| Income tax | 92,000 | 159,000 | 107,000 | 167,000 |
| Net income | 614,000 | 1,204,000 | 1,544,000 | 2,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,161,000 | 32,435,000 | 32,458,000 | 32,700,000 |
| Total capital | 34,680,000 | 34,958,000 | 34,885,000 | 35,159,000 |
| Risk-weighted assets | 201,466,000 | 201,798,000 | 199,595,000 | 202,619,000 |
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