Call reports 2004
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2004
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 317,668,000 | 319,904,000 | 308,395,000 | 316,756,000 |
| Total loans | 218,221,000 | 221,708,000 | 214,852,000 | 218,085,000 |
| Allowance for loan losses | 2,453,000 | 2,551,000 | 2,575,000 | 2,575,000 |
| Securities available for sale | 43,095,000 | 42,499,000 | 64,399,000 | 72,910,000 |
| Securities held to maturity | 33,499,000 | 31,893,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,143,000 | 240,815,000 | 241,189,000 | 249,560,000 |
| Interest-bearing deposits | 207,739,000 | 207,577,000 | 205,295,000 | 206,217,000 |
| Noninterest-bearing deposits | 33,404,000 | 33,238,000 | 35,894,000 | 43,343,000 |
| Equity capital | 33,023,000 | 32,659,000 | 34,351,000 | 34,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,662,000 | 7,399,000 | 11,165,000 | 15,049,000 |
| Interest expense | 972,000 | 1,939,000 | 2,899,000 | 3,874,000 |
| Net interest income | 2,690,000 | 5,460,000 | 8,266,000 | 11,175,000 |
| Noninterest income | 473,000 | 1,045,000 | 1,568,000 | 2,093,000 |
| Noninterest expense | 2,460,000 | 4,939,000 | 7,589,000 | 10,121,000 |
| Provision for loan losses | 94,000 | 173,000 | 423,000 | 423,000 |
| Pretax income | 635,000 | 1,419,000 | 2,407,000 | 3,312,000 |
| Income tax | 85,000 | 233,000 | 462,000 | 707,000 |
| Net income | 550,000 | 1,186,000 | 1,945,000 | 2,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,906,000 | 33,198,000 | 33,614,000 | 33,930,000 |
| Total capital | 35,359,000 | 35,749,000 | 36,118,000 | 36,505,000 |
| Risk-weighted assets | 198,306,000 | 209,349,000 | 200,288,000 | 208,201,000 |