Call reports 2017
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2017
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 679,302,000 | 696,694,000 | 710,603,000 | 706,914,000 |
| Total loans | 480,973,000 | 499,057,000 | 510,566,000 | 517,076,000 |
| Allowance for loan losses | 5,454,000 | 6,289,000 | 5,436,000 | 5,604,000 |
| Securities available for sale | 102,076,000 | 102,974,000 | 97,958,000 | 97,662,000 |
| Securities held to maturity | 27,892,000 | 27,169,000 | 26,475,000 | 25,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 543,746,000 | 548,653,000 | 573,239,000 | 584,266,000 |
| Interest-bearing deposits | 370,945,000 | 377,863,000 | 404,063,000 | 409,589,000 |
| Noninterest-bearing deposits | 172,801,000 | 170,790,000 | 169,176,000 | 174,677,000 |
| Equity capital | 65,777,000 | 67,544,000 | 68,624,000 | 69,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 6,246,000 | 12,658,000 | 19,423,000 | 26,438,000 |
| Interest expense | 384,000 | 847,000 | 1,409,000 | 1,988,000 |
| Net interest income | 5,862,000 | 11,811,000 | 18,014,000 | 24,450,000 |
| Noninterest income | 1,105,000 | 2,166,000 | 3,220,000 | 4,340,000 |
| Noninterest expense | 4,539,000 | 8,155,000 | 12,374,000 | 16,967,000 |
| Provision for loan losses | -160,000 | 685,000 | 965,000 | 1,145,000 |
| Pretax income | 2,588,000 | 5,137,000 | 7,895,000 | 10,678,000 |
| Income tax | 788,000 | 1,564,000 | 2,413,000 | 3,353,000 |
| Net income | 1,800,000 | 3,573,000 | 5,482,000 | 7,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,263,000 | 62,456,000 | 63,734,000 | 65,060,000 |
| Total capital | 67,265,000 | 68,753,000 | 69,178,000 | 70,672,000 |
| Risk-weighted assets | 489,215,000 | 510,231,000 | 515,396,000 | 520,715,000 |