Call reports 2010
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2010
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 435,488,000 | 441,106,000 | 451,452,000 | 456,918,000 |
| Total loans | 311,569,000 | 311,921,000 | 317,336,000 | 315,647,000 |
| Allowance for loan losses | 4,356,000 | 4,608,000 | 4,407,000 | 4,031,000 |
| Securities available for sale | 68,209,000 | 71,019,000 | 72,446,000 | 75,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,217,000 | 330,879,000 | 342,270,000 | 353,867,000 |
| Interest-bearing deposits | 273,596,000 | 272,613,000 | 277,307,000 | 284,340,000 |
| Noninterest-bearing deposits | 53,621,000 | 58,266,000 | 64,963,000 | 69,527,000 |
| Equity capital | 45,308,000 | 45,988,000 | 46,480,000 | 46,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,155,000 | 10,185,000 | 15,343,000 | 20,390,000 |
| Interest expense | 1,275,000 | 2,472,000 | 3,673,000 | 4,820,000 |
| Net interest income | 3,880,000 | 7,713,000 | 11,670,000 | 15,570,000 |
| Noninterest income | 731,000 | 1,473,000 | 2,253,000 | 3,157,000 |
| Noninterest expense | 2,896,000 | 5,918,000 | 9,037,000 | 12,093,000 |
| Provision for loan losses | 519,000 | 758,000 | 997,000 | 1,235,000 |
| Pretax income | 1,196,000 | 2,658,000 | 4,037,000 | 5,547,000 |
| Income tax | 364,000 | 820,000 | 1,254,000 | 1,733,000 |
| Net income | 832,000 | 1,838,000 | 2,783,000 | 3,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,935,000 | 42,456,000 | 42,916,000 | 43,462,000 |
| Total capital | 45,606,000 | 46,125,000 | 46,681,000 | 47,227,000 |
| Risk-weighted assets | 292,985,000 | 293,610,000 | 300,590,000 | 300,926,000 |