Call reports 2006
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2006
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 317,926,000 | 320,046,000 | 319,340,000 | 326,359,000 |
| Total loans | 221,366,000 | 228,111,000 | 229,832,000 | 232,432,000 |
| Allowance for loan losses | 2,471,000 | 2,467,000 | 2,537,000 | 2,607,000 |
| Securities available for sale | 75,049,000 | 68,446,000 | 68,610,000 | 66,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,039,000 | 243,828,000 | 249,687,000 | 261,970,000 |
| Interest-bearing deposits | 210,106,000 | 204,704,000 | 212,103,000 | 215,722,000 |
| Noninterest-bearing deposits | 38,933,000 | 39,124,000 | 37,584,000 | 46,248,000 |
| Equity capital | 32,539,000 | 32,279,000 | 33,194,000 | 32,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,701,000 | 9,701,000 | 14,850,000 | 20,018,000 |
| Interest expense | 1,414,000 | 3,148,000 | 5,009,000 | 6,877,000 |
| Net interest income | 3,287,000 | 6,553,000 | 9,841,000 | 13,141,000 |
| Noninterest income | 571,000 | 1,303,000 | 1,979,000 | 2,649,000 |
| Noninterest expense | 2,640,000 | 5,417,000 | 8,046,000 | 10,537,000 |
| Provision for loan losses | 32,000 | 147,000 | 222,000 | 302,000 |
| Pretax income | 1,186,000 | 2,292,000 | 3,552,000 | 4,894,000 |
| Income tax | 373,000 | 723,000 | 1,125,000 | 1,558,000 |
| Net income | 813,000 | 1,569,000 | 2,427,000 | 3,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,429,000 | 33,685,000 | 33,843,000 | 32,853,000 |
| Total capital | 35,900,000 | 36,152,000 | 36,380,000 | 35,460,000 |
| Risk-weighted assets | 212,502,000 | 215,790,000 | 213,961,000 | 216,226,000 |