Call reports 2005
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2005
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 312,046,000 | 310,569,000 | 318,552,000 | 320,506,000 |
| Total loans | 224,108,000 | 223,442,000 | 218,577,000 | 215,020,000 |
| Allowance for loan losses | 2,410,000 | 2,377,000 | 2,444,000 | 2,446,000 |
| Securities available for sale | 66,317,000 | 65,820,000 | 68,464,000 | 77,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,007,000 | 246,928,000 | 256,855,000 | 257,024,000 |
| Interest-bearing deposits | 208,771,000 | 210,142,000 | 217,839,000 | 213,596,000 |
| Noninterest-bearing deposits | 36,236,000 | 36,786,000 | 39,016,000 | 43,428,000 |
| Equity capital | 33,888,000 | 34,654,000 | 34,686,000 | 32,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,968,000 | 8,181,000 | 12,646,000 | 17,332,000 |
| Interest expense | 1,046,000 | 2,236,000 | 3,494,000 | 4,812,000 |
| Net interest income | 2,922,000 | 5,945,000 | 9,152,000 | 12,520,000 |
| Noninterest income | 533,000 | 1,087,000 | 1,625,000 | 2,334,000 |
| Noninterest expense | 2,639,000 | 5,164,000 | 7,705,000 | 10,425,000 |
| Provision for loan losses | 106,000 | 212,000 | 283,000 | 283,000 |
| Pretax income | 957,000 | 1,903,000 | 3,036,000 | 4,393,000 |
| Income tax | 272,000 | 538,000 | 878,000 | 1,296,000 |
| Net income | 685,000 | 1,365,000 | 2,158,000 | 3,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,244,000 | 34,554,000 | 34,977,000 | 33,116,000 |
| Total capital | 36,654,000 | 36,931,000 | 37,421,000 | 35,562,000 |
| Risk-weighted assets | 213,543,000 | 211,272,000 | 210,929,000 | 209,574,000 |
Machine access — free, no API key
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