Call reports 2007
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2007
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 321,451,000 | 327,031,000 | 329,708,000 | 349,918,000 |
| Total loans | 235,818,000 | 242,485,000 | 245,626,000 | 256,659,000 |
| Allowance for loan losses | 2,655,000 | 2,426,000 | 2,554,000 | 2,586,000 |
| Securities available for sale | 65,258,000 | 63,397,000 | 62,722,000 | 71,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,480,000 | 251,402,000 | 254,608,000 | 261,134,000 |
| Interest-bearing deposits | 212,959,000 | 209,716,000 | 211,264,000 | 213,347,000 |
| Noninterest-bearing deposits | 41,521,000 | 41,686,000 | 43,344,000 | 47,787,000 |
| Equity capital | 33,284,000 | 34,006,000 | 34,852,000 | 33,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,140,000 | 10,424,000 | 15,842,000 | 21,220,000 |
| Interest expense | 1,891,000 | 3,904,000 | 5,933,000 | 7,905,000 |
| Net interest income | 3,249,000 | 6,520,000 | 9,909,000 | 13,315,000 |
| Noninterest income | 646,000 | 1,542,000 | 2,305,000 | 3,018,000 |
| Noninterest expense | 2,481,000 | 5,017,000 | 7,650,000 | 10,251,000 |
| Provision for loan losses | 78,000 | 202,000 | 353,000 | 472,000 |
| Pretax income | 1,336,000 | 2,843,000 | 4,211,000 | 5,621,000 |
| Income tax | 436,000 | 924,000 | 1,368,000 | 1,824,000 |
| Net income | 900,000 | 1,919,000 | 2,843,000 | 3,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,753,000 | 34,773,000 | 35,197,000 | 34,150,000 |
| Total capital | 36,408,000 | 37,199,000 | 37,751,000 | 36,736,000 |
| Risk-weighted assets | 217,888,000 | 226,626,000 | 225,716,000 | 238,007,000 |