Call reports 2013
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2013
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 568,663,000 | 570,878,000 | 593,701,000 | 596,145,000 |
| Total loans | 373,367,000 | 378,294,000 | 377,504,000 | 379,125,000 |
| Allowance for loan losses | 4,804,000 | 4,945,000 | 5,077,000 | 5,085,000 |
| Securities available for sale | 131,793,000 | 127,401,000 | 102,332,000 | 101,594,000 |
| Securities held to maturity | 0 | 0 | 36,808,000 | 44,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,374,000 | 463,834,000 | 481,900,000 | 481,531,000 |
| Interest-bearing deposits | 364,699,000 | 361,201,000 | 362,936,000 | 360,608,000 |
| Noninterest-bearing deposits | 93,675,000 | 102,633,000 | 118,964,000 | 120,923,000 |
| Equity capital | 52,188,000 | 50,667,000 | 51,351,000 | 51,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,300,000 | 10,472,000 | 15,707,000 | 21,137,000 |
| Interest expense | 608,000 | 1,189,000 | 1,747,000 | 2,256,000 |
| Net interest income | 4,692,000 | 9,283,000 | 13,960,000 | 18,881,000 |
| Noninterest income | 1,031,000 | 2,087,000 | 3,127,000 | 4,152,000 |
| Noninterest expense | 3,453,000 | 7,064,000 | 10,639,000 | 14,485,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 2,060,000 | 3,896,000 | 5,977,000 | 7,867,000 |
| Income tax | 633,000 | 1,188,000 | 1,824,000 | 2,394,000 |
| Net income | 1,427,000 | 2,708,000 | 4,153,000 | 5,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,212,000 | 45,926,000 | 46,804,000 | 47,558,000 |
| Total capital | 49,935,000 | 50,778,000 | 51,685,000 | 52,458,000 |
| Risk-weighted assets | 377,766,000 | 388,061,000 | 390,291,000 | 392,395,000 |