Call reports 2021
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2021
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,109,990,000 | 1,128,730,000 | 1,111,539,000 | 1,143,994,000 |
| Total loans | 584,164,000 | 553,495,000 | 546,957,000 | 549,385,000 |
| Allowance for loan losses | 8,338,000 | 7,875,000 | 7,645,000 | 7,618,000 |
| Securities available for sale | 197,470,000 | 194,164,000 | 185,454,000 | 131,708,000 |
| Securities held to maturity | 8,270,000 | 24,878,000 | 51,317,000 | 174,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 971,048,000 | 988,834,000 | 971,087,000 | 1,003,991,000 |
| Interest-bearing deposits | 664,766,000 | 683,980,000 | 664,284,000 | 668,401,000 |
| Noninterest-bearing deposits | 306,282,000 | 304,854,000 | 306,803,000 | 335,590,000 |
| Equity capital | 91,281,000 | 94,481,000 | 95,274,000 | 95,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,580,000 | 14,593,000 | 22,397,000 | 29,526,000 |
| Interest expense | 573,000 | 1,116,000 | 1,596,000 | 2,012,000 |
| Net interest income | 7,007,000 | 13,477,000 | 20,801,000 | 27,514,000 |
| Noninterest income | 1,866,000 | 3,709,000 | 5,469,000 | 7,297,000 |
| Noninterest expense | 5,155,000 | 10,493,000 | 16,146,000 | 21,752,000 |
| Provision for loan losses | 30,000 | -445,000 | -655,000 | -655,000 |
| Pretax income | 3,688,000 | 7,138,000 | 10,779,000 | 13,714,000 |
| Income tax | 714,000 | 1,379,000 | 2,079,000 | 2,632,000 |
| Net income | 2,974,000 | 5,759,000 | 8,700,000 | 11,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,370,000 | 90,266,000 | 91,718,000 | 93,260,000 |
| Total capital | 95,166,000 | 97,054,000 | 98,746,000 | 100,547,000 |
| Risk-weighted assets | 542,174,000 | 541,929,000 | 561,439,000 | 582,484,000 |