Call reports 2022
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2022
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,134,699,000 | 1,126,474,000 | 1,161,528,000 | 1,158,800,000 |
| Total loans | 567,806,000 | 582,613,000 | 610,171,000 | 627,223,000 |
| Allowance for loan losses | 7,305,000 | 7,268,000 | 7,008,000 | 6,838,000 |
| Securities available for sale | 143,322,000 | 144,566,000 | 143,433,000 | 150,069,000 |
| Securities held to maturity | 246,301,000 | 248,261,000 | 252,362,000 | 247,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 995,969,000 | 994,266,000 | 1,030,083,000 | 1,024,223,000 |
| Interest-bearing deposits | 658,965,000 | 664,691,000 | 691,231,000 | 673,135,000 |
| Noninterest-bearing deposits | 337,004,000 | 329,575,000 | 338,852,000 | 351,088,000 |
| Equity capital | 93,583,000 | 92,160,000 | 90,812,000 | 94,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,240,000 | 15,243,000 | 24,396,000 | 34,812,000 |
| Interest expense | 377,000 | 750,000 | 1,346,000 | 2,496,000 |
| Net interest income | 6,863,000 | 14,493,000 | 23,050,000 | 32,316,000 |
| Noninterest income | 1,641,000 | 3,420,000 | 5,097,000 | 6,714,000 |
| Noninterest expense | 5,330,000 | 11,027,000 | 16,907,000 | 22,986,000 |
| Provision for loan losses | -300,000 | -645,000 | -895,000 | -895,000 |
| Pretax income | 3,474,000 | 7,531,000 | 12,135,000 | 16,939,000 |
| Income tax | 667,000 | 1,456,000 | 2,360,000 | 3,309,000 |
| Net income | 2,807,000 | 6,075,000 | 9,775,000 | 13,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,068,000 | 97,435,000 | 100,136,000 | 102,940,000 |
| Total capital | 103,514,000 | 104,844,000 | 107,285,000 | 109,778,000 |
| Risk-weighted assets | 631,659,000 | 659,063,000 | 691,470,000 | 691,437,000 |