Call reports 2012
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2012
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 560,657,000 | 566,542,000 | 568,637,000 | 586,745,000 |
| Total loans | 331,814,000 | 344,116,000 | 353,287,000 | 364,580,000 |
| Allowance for loan losses | 4,246,000 | 4,471,000 | 4,661,000 | 4,580,000 |
| Securities available for sale | 122,572,000 | 126,624,000 | 134,823,000 | 129,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,251,000 | 455,680,000 | 455,229,000 | 475,832,000 |
| Interest-bearing deposits | 362,935,000 | 361,585,000 | 363,277,000 | 371,297,000 |
| Noninterest-bearing deposits | 88,316,000 | 94,095,000 | 91,952,000 | 104,535,000 |
| Equity capital | 49,224,000 | 50,509,000 | 51,451,000 | 51,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,132,000 | 10,282,000 | 15,429,000 | 20,583,000 |
| Interest expense | 820,000 | 1,573,000 | 2,294,000 | 2,978,000 |
| Net interest income | 4,312,000 | 8,709,000 | 13,135,000 | 17,605,000 |
| Noninterest income | 948,000 | 1,983,000 | 3,069,000 | 4,217,000 |
| Noninterest expense | 3,399,000 | 6,907,000 | 10,410,000 | 14,110,000 |
| Provision for loan losses | 206,000 | 411,000 | 617,000 | 823,000 |
| Pretax income | 1,655,000 | 3,374,000 | 5,177,000 | 6,889,000 |
| Income tax | 505,000 | 1,048,000 | 1,595,000 | 2,110,000 |
| Net income | 1,150,000 | 2,326,000 | 3,582,000 | 4,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,121,000 | 42,829,000 | 43,620,000 | 44,351,000 |
| Total capital | 46,346,000 | 47,234,000 | 48,100,000 | 48,939,000 |
| Risk-weighted assets | 337,997,000 | 352,350,000 | 358,231,000 | 371,183,000 |