Call reports 2019
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2019
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 734,698,000 | 750,067,000 | 786,598,000 | 818,457,000 |
| Total loans | 548,361,000 | 551,021,000 | 566,612,000 | 552,255,000 |
| Allowance for loan losses | 6,287,000 | 6,537,000 | 6,776,000 | 7,017,000 |
| Securities available for sale | 86,378,000 | 86,297,000 | 89,572,000 | 112,146,000 |
| Securities held to maturity | 20,218,000 | 19,657,000 | 15,097,000 | 13,869,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 609,011,000 | 624,940,000 | 659,795,000 | 684,417,000 |
| Interest-bearing deposits | 429,939,000 | 442,562,000 | 465,499,000 | 485,766,000 |
| Noninterest-bearing deposits | 179,072,000 | 182,378,000 | 194,296,000 | 198,651,000 |
| Equity capital | 77,885,000 | 80,387,000 | 82,523,000 | 84,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,967,000 | 16,088,000 | 24,349,000 | 32,458,000 |
| Interest expense | 957,000 | 2,007,000 | 3,081,000 | 4,062,000 |
| Net interest income | 7,010,000 | 14,081,000 | 21,268,000 | 28,396,000 |
| Noninterest income | 1,218,000 | 2,533,000 | 3,969,000 | 5,420,000 |
| Noninterest expense | 4,678,000 | 9,493,000 | 14,448,000 | 19,413,000 |
| Provision for loan losses | 285,000 | 570,000 | 855,000 | 1,140,000 |
| Pretax income | 3,265,000 | 6,551,000 | 9,934,000 | 13,263,000 |
| Income tax | 641,000 | 1,274,000 | 1,930,000 | 2,577,000 |
| Net income | 2,624,000 | 5,277,000 | 8,004,000 | 10,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,814,000 | 75,718,000 | 77,641,000 | 79,519,000 |
| Total capital | 80,109,000 | 82,263,000 | 84,425,000 | 86,544,000 |
| Risk-weighted assets | 543,187,000 | 547,581,000 | 565,625,000 | 565,111,000 |