Call reports 2023
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2023
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,143,063,000 | 1,155,783,000 | 1,156,221,000 | 1,178,273,000 |
| Total loans | 647,773,000 | 664,789,000 | 680,949,000 | 701,404,000 |
| Allowance for loan losses | 6,307,000 | 6,559,000 | 6,691,000 | 6,607,000 |
| Securities available for sale | 149,269,000 | 145,357,000 | 145,330,000 | 140,080,000 |
| Securities held to maturity | 243,334,000 | 238,222,000 | 230,505,000 | 226,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,007,856,000 | 1,022,085,000 | 1,018,278,000 | 1,027,698,000 |
| Interest-bearing deposits | 678,007,000 | 706,471,000 | 718,057,000 | 725,730,000 |
| Noninterest-bearing deposits | 329,849,000 | 315,614,000 | 300,221,000 | 301,968,000 |
| Equity capital | 98,315,000 | 99,352,000 | 100,834,000 | 107,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,626,000 | 21,827,000 | 33,541,000 | 46,007,000 |
| Interest expense | 1,662,000 | 3,870,000 | 6,751,000 | 9,875,000 |
| Net interest income | 8,964,000 | 17,957,000 | 26,790,000 | 36,132,000 |
| Noninterest income | 1,619,000 | 3,348,000 | 5,064,000 | 6,729,000 |
| Noninterest expense | 5,587,000 | 11,539,000 | 17,511,000 | 23,669,000 |
| Provision for loan losses | 32,000 | 274,000 | 287,000 | 198,000 |
| Pretax income | 5,027,000 | 9,657,000 | 14,057,000 | 18,750,000 |
| Income tax | 997,000 | 1,910,000 | 2,775,000 | 3,701,000 |
| Net income | 4,030,000 | 7,747,000 | 11,282,000 | 15,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,422,000 | 107,939,000 | 110,273,000 | 112,841,000 |
| Total capital | 112,159,000 | 114,826,000 | 117,456,000 | 120,184,000 |
| Risk-weighted assets | 704,320,000 | 725,082,000 | 732,753,000 | 743,078,000 |