Call reports 2020
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2020
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 809,877,000 | 965,030,000 | 987,781,000 | 1,031,475,000 |
| Total loans | 555,576,000 | 638,477,000 | 629,572,000 | 610,537,000 |
| Allowance for loan losses | 7,120,000 | 7,835,000 | 8,355,000 | 8,274,000 |
| Securities available for sale | 108,263,000 | 103,202,000 | 112,279,000 | 190,438,000 |
| Securities held to maturity | 11,242,000 | 10,871,000 | 9,901,000 | 9,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 672,792,000 | 819,245,000 | 843,934,000 | 893,194,000 |
| Interest-bearing deposits | 483,025,000 | 561,093,000 | 587,765,000 | 619,512,000 |
| Noninterest-bearing deposits | 189,767,000 | 258,152,000 | 256,169,000 | 273,682,000 |
| Equity capital | 86,621,000 | 87,277,000 | 89,152,000 | 92,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,816,000 | 15,547,000 | 23,260,000 | 31,063,000 |
| Interest expense | 901,000 | 1,620,000 | 2,293,000 | 2,913,000 |
| Net interest income | 6,915,000 | 13,927,000 | 20,967,000 | 28,150,000 |
| Noninterest income | 1,356,000 | 2,989,000 | 4,849,000 | 6,933,000 |
| Noninterest expense | 4,896,000 | 9,530,000 | 14,525,000 | 19,982,000 |
| Provision for loan losses | 178,000 | 895,000 | 1,272,000 | 1,650,000 |
| Pretax income | 3,197,000 | 6,491,000 | 10,019,000 | 13,451,000 |
| Income tax | 617,000 | 1,254,000 | 1,941,000 | 2,604,000 |
| Net income | 2,580,000 | 5,237,000 | 8,078,000 | 10,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,294,000 | 81,465,000 | 83,501,000 | 86,285,000 |
| Total capital | 88,394,000 | 88,442,000 | 90,349,000 | 93,325,000 |
| Risk-weighted assets | 568,042,000 | 557,283,000 | 546,378,000 | 561,923,000 |