Call reports 2015
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2015
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 624,965,000 | 622,833,000 | 632,259,000 | 650,188,000 |
| Total loans | 421,160,000 | 415,261,000 | 413,114,000 | 422,918,000 |
| Allowance for loan losses | 4,494,000 | 4,656,000 | 4,632,000 | 4,662,000 |
| Securities available for sale | 106,512,000 | 107,344,000 | 115,166,000 | 127,906,000 |
| Securities held to maturity | 34,446,000 | 33,554,000 | 36,621,000 | 33,819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,630,000 | 497,683,000 | 506,389,000 | 525,832,000 |
| Interest-bearing deposits | 359,392,000 | 356,800,000 | 359,087,000 | 373,493,000 |
| Noninterest-bearing deposits | 139,238,000 | 140,883,000 | 147,302,000 | 152,339,000 |
| Equity capital | 57,827,000 | 57,982,000 | 59,483,000 | 60,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,406,000 | 10,974,000 | 16,436,000 | 21,995,000 |
| Interest expense | 393,000 | 786,000 | 1,180,000 | 1,567,000 |
| Net interest income | 5,013,000 | 10,188,000 | 15,256,000 | 20,428,000 |
| Noninterest income | 1,039,000 | 2,178,000 | 3,297,000 | 4,368,000 |
| Noninterest expense | 3,730,000 | 7,590,000 | 11,470,000 | 15,332,000 |
| Provision for loan losses | 194,000 | 389,000 | 389,000 | 389,000 |
| Pretax income | 2,128,000 | 4,408,000 | 6,715,000 | 9,096,000 |
| Income tax | 653,000 | 1,354,000 | 2,063,000 | 2,793,000 |
| Net income | 1,475,000 | 3,054,000 | 4,652,000 | 6,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,500,000 | 53,510,000 | 54,386,000 | 55,481,000 |
| Total capital | 57,002,000 | 58,174,000 | 59,026,000 | 60,151,000 |
| Risk-weighted assets | 436,458,000 | 434,578,000 | 430,789,000 | 452,699,000 |