Call reports 2009
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2009
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 422,322,000 | 422,276,000 | 427,246,000 | 450,521,000 |
| Total loans | 319,425,000 | 319,045,000 | 314,818,000 | 313,822,000 |
| Allowance for loan losses | 3,402,000 | 3,398,000 | 3,697,000 | 4,060,000 |
| Securities available for sale | 65,214,000 | 67,219,000 | 72,562,000 | 75,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,577,000 | 301,052,000 | 303,540,000 | 330,132,000 |
| Interest-bearing deposits | 261,905,000 | 256,429,000 | 256,532,000 | 275,511,000 |
| Noninterest-bearing deposits | 43,672,000 | 44,623,000 | 47,008,000 | 54,621,000 |
| Equity capital | 43,421,000 | 44,250,000 | 44,663,000 | 44,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,579,000 | 11,044,000 | 16,478,000 | 22,103,000 |
| Interest expense | 1,686,000 | 3,319,000 | 4,889,000 | 6,340,000 |
| Net interest income | 3,893,000 | 7,725,000 | 11,589,000 | 15,763,000 |
| Noninterest income | 680,000 | 1,461,000 | 2,365,000 | 3,134,000 |
| Noninterest expense | 2,969,000 | 6,081,000 | 9,122,000 | 12,200,000 |
| Provision for loan losses | 241,000 | 635,000 | 928,000 | 1,337,000 |
| Pretax income | 1,514,000 | 2,621,000 | 4,055,000 | 5,511,000 |
| Income tax | 478,000 | 814,000 | 1,259,000 | 1,710,000 |
| Net income | 1,036,000 | 1,807,000 | 2,796,000 | 3,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,759,000 | 41,545,000 | 41,469,000 | 41,586,000 |
| Total capital | 44,161,000 | 44,943,000 | 45,118,000 | 45,269,000 |
| Risk-weighted assets | 288,739,000 | 292,237,000 | 291,851,000 | 294,258,000 |