Call reports 2011
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2011
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 445,221,000 | 449,411,000 | 457,706,000 | 550,991,000 |
| Total loans | 322,037,000 | 316,581,000 | 314,116,000 | 324,182,000 |
| Allowance for loan losses | 4,028,000 | 4,054,000 | 4,116,000 | 4,082,000 |
| Securities available for sale | 83,027,000 | 81,944,000 | 85,200,000 | 122,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,233,000 | 347,909,000 | 355,941,000 | 444,088,000 |
| Interest-bearing deposits | 287,884,000 | 282,588,000 | 283,716,000 | 357,663,000 |
| Noninterest-bearing deposits | 61,349,000 | 65,321,000 | 72,225,000 | 86,425,000 |
| Equity capital | 46,583,000 | 47,685,000 | 48,377,000 | 48,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,946,000 | 9,948,000 | 14,905,000 | 20,016,000 |
| Interest expense | 1,012,000 | 1,918,000 | 2,779,000 | 3,678,000 |
| Net interest income | 3,934,000 | 8,030,000 | 12,126,000 | 16,338,000 |
| Noninterest income | 761,000 | 1,546,000 | 2,403,000 | 3,314,000 |
| Noninterest expense | 2,969,000 | 6,207,000 | 9,642,000 | 13,315,000 |
| Provision for loan losses | 280,000 | 470,000 | 710,000 | 950,000 |
| Pretax income | 1,446,000 | 2,899,000 | 4,414,000 | 5,624,000 |
| Income tax | 450,000 | 901,000 | 1,370,000 | 1,717,000 |
| Net income | 996,000 | 1,998,000 | 3,044,000 | 3,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,672,000 | 44,189,000 | 44,752,000 | 41,437,000 |
| Total capital | 47,543,000 | 48,017,000 | 48,594,000 | 45,517,000 |
| Risk-weighted assets | 309,510,000 | 305,986,000 | 307,039,000 | 326,425,000 |