Call reports 2016
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2016
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 637,078,000 | 649,764,000 | 654,263,000 | 669,841,000 |
| Total loans | 433,581,000 | 451,139,000 | 463,454,000 | 475,449,000 |
| Allowance for loan losses | 5,005,000 | 5,156,000 | 5,002,000 | 5,291,000 |
| Securities available for sale | 122,177,000 | 119,284,000 | 112,848,000 | 103,795,000 |
| Securities held to maturity | 27,025,000 | 23,845,000 | 22,964,000 | 23,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,403,000 | 517,913,000 | 523,708,000 | 541,707,000 |
| Interest-bearing deposits | 364,013,000 | 360,132,000 | 361,292,000 | 372,961,000 |
| Noninterest-bearing deposits | 147,390,000 | 157,781,000 | 162,416,000 | 168,746,000 |
| Equity capital | 61,728,000 | 63,314,000 | 64,614,000 | 64,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,660,000 | 11,473,000 | 17,335,000 | 23,630,000 |
| Interest expense | 376,000 | 743,000 | 1,109,000 | 1,473,000 |
| Net interest income | 5,284,000 | 10,730,000 | 16,226,000 | 22,157,000 |
| Noninterest income | 992,000 | 2,089,000 | 3,178,000 | 4,379,000 |
| Noninterest expense | 3,862,000 | 7,836,000 | 11,768,000 | 15,955,000 |
| Provision for loan losses | 164,000 | 329,000 | 493,000 | 493,000 |
| Pretax income | 2,250,000 | 4,654,000 | 7,144,000 | 10,089,000 |
| Income tax | 687,000 | 1,422,000 | 2,181,000 | 3,100,000 |
| Net income | 1,563,000 | 3,232,000 | 4,963,000 | 6,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,395,000 | 57,603,000 | 58,740,000 | 60,121,000 |
| Total capital | 61,408,000 | 62,767,000 | 63,750,000 | 65,420,000 |
| Risk-weighted assets | 456,559,000 | 480,105,000 | 480,808,000 | 486,561,000 |