Call reports 2018
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2018
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 699,816,000 | 723,117,000 | 710,675,000 | 731,579,000 |
| Total loans | 530,562,000 | 535,526,000 | 535,617,000 | 549,082,000 |
| Allowance for loan losses | 5,633,000 | 5,918,000 | 6,204,000 | 5,907,000 |
| Securities available for sale | 94,198,000 | 90,808,000 | 89,507,000 | 85,528,000 |
| Securities held to maturity | 22,488,000 | 21,882,000 | 21,260,000 | 20,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 578,120,000 | 596,726,000 | 589,176,000 | 607,468,000 |
| Interest-bearing deposits | 409,906,000 | 416,730,000 | 410,328,000 | 420,627,000 |
| Noninterest-bearing deposits | 168,214,000 | 179,996,000 | 178,848,000 | 186,841,000 |
| Equity capital | 69,838,000 | 71,410,000 | 72,716,000 | 75,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,948,000 | 14,292,000 | 21,864,000 | 29,635,000 |
| Interest expense | 560,000 | 1,252,000 | 2,024,000 | 2,886,000 |
| Net interest income | 6,388,000 | 13,040,000 | 19,840,000 | 26,749,000 |
| Noninterest income | 1,141,000 | 2,319,000 | 3,501,000 | 4,775,000 |
| Noninterest expense | 4,427,000 | 8,986,000 | 13,568,000 | 18,172,000 |
| Provision for loan losses | 324,000 | 648,000 | 972,000 | 1,316,000 |
| Pretax income | 2,778,000 | 5,725,000 | 8,801,000 | 12,036,000 |
| Income tax | 531,000 | 1,099,000 | 1,694,000 | 2,339,000 |
| Net income | 2,247,000 | 4,626,000 | 7,107,000 | 9,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,579,000 | 68,283,000 | 70,089,000 | 71,939,000 |
| Total capital | 72,220,000 | 74,209,000 | 76,301,000 | 77,854,000 |
| Risk-weighted assets | 537,145,000 | 539,941,000 | 533,950,000 | 544,075,000 |