Call reports 2014
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2014
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 601,747,000 | 608,699,000 | 610,787,000 | 620,654,000 |
| Total loans | 407,770,000 | 412,492,000 | 409,908,000 | 410,978,000 |
| Allowance for loan losses | 5,065,000 | 5,063,000 | 5,188,000 | 4,381,000 |
| Securities available for sale | 102,809,000 | 93,265,000 | 98,708,000 | 99,980,000 |
| Securities held to maturity | 43,688,000 | 38,946,000 | 38,110,000 | 38,316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,736,000 | 484,828,000 | 487,735,000 | 500,774,000 |
| Interest-bearing deposits | 351,729,000 | 358,904,000 | 355,022,000 | 360,824,000 |
| Noninterest-bearing deposits | 116,007,000 | 125,924,000 | 132,713,000 | 139,950,000 |
| Equity capital | 52,995,000 | 54,298,000 | 55,277,000 | 56,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,335,000 | 10,819,000 | 16,253,000 | 21,654,000 |
| Interest expense | 438,000 | 877,000 | 1,315,000 | 1,730,000 |
| Net interest income | 4,897,000 | 9,942,000 | 14,938,000 | 19,924,000 |
| Noninterest income | 953,000 | 1,978,000 | 3,056,000 | 4,118,000 |
| Noninterest expense | 3,566,000 | 7,341,000 | 11,053,000 | 14,770,000 |
| Provision for loan losses | 185,000 | 335,000 | 458,000 | 643,000 |
| Pretax income | 2,099,000 | 4,377,000 | 6,616,000 | 8,762,000 |
| Income tax | 647,000 | 1,355,000 | 2,049,000 | 2,709,000 |
| Net income | 1,452,000 | 3,022,000 | 4,567,000 | 6,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,442,000 | 49,445,000 | 50,423,000 | 51,342,000 |
| Total capital | 53,515,000 | 54,516,000 | 55,619,000 | 55,731,000 |
| Risk-weighted assets | 420,628,000 | 421,233,000 | 417,878,000 | 418,300,000 |