Call reports 2008
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2008
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 344,477,000 | 346,696,000 | 343,275,000 | 424,127,000 |
| Total loans | 246,984,000 | 249,543,000 | 256,343,000 | 316,290,000 |
| Allowance for loan losses | 2,691,000 | 2,718,000 | 2,781,000 | 3,394,000 |
| Securities available for sale | 62,977,000 | 65,266,000 | 67,130,000 | 76,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,541,000 | 248,987,000 | 247,157,000 | 306,054,000 |
| Interest-bearing deposits | 208,364,000 | 207,382,000 | 201,736,000 | 256,394,000 |
| Noninterest-bearing deposits | 40,177,000 | 41,605,000 | 45,421,000 | 49,660,000 |
| Equity capital | 35,506,000 | 35,722,000 | 36,147,000 | 42,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,283,000 | 10,176,000 | 15,142,000 | 20,619,000 |
| Interest expense | 1,904,000 | 3,511,000 | 5,038,000 | 6,743,000 |
| Net interest income | 3,379,000 | 6,665,000 | 10,104,000 | 13,876,000 |
| Noninterest income | 955,000 | 1,635,000 | 2,324,000 | 3,044,000 |
| Noninterest expense | 2,600,000 | 5,112,000 | 7,694,000 | 10,890,000 |
| Provision for loan losses | 107,000 | 155,000 | 262,000 | 333,000 |
| Pretax income | 1,627,000 | 3,033,000 | 4,472,000 | 5,697,000 |
| Income tax | 541,000 | 1,000,000 | 1,475,000 | 1,864,000 |
| Net income | 1,086,000 | 2,033,000 | 2,997,000 | 3,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,238,000 | 36,184,000 | 36,149,000 | 40,206,000 |
| Total capital | 37,929,000 | 38,902,000 | 38,930,000 | 43,600,000 |
| Risk-weighted assets | 231,163,000 | 233,628,000 | 237,993,000 | 287,105,000 |