Call reports 2024
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2024
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,155,894,000 | 1,166,934,000 | 1,208,782,000 | 1,191,045,000 |
| Total loans | 710,927,000 | 722,144,000 | 720,111,000 | 737,924,000 |
| Allowance for loan losses | 7,136,000 | 10,587,000 | 7,224,000 | 7,595,000 |
| Securities available for sale | 134,926,000 | 127,279,000 | 131,718,000 | 125,434,000 |
| Securities held to maturity | 222,095,000 | 216,899,000 | 211,655,000 | 204,309,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,010,499,000 | 1,024,293,000 | 1,071,091,000 | 1,045,383,000 |
| Interest-bearing deposits | 732,217,000 | 746,086,000 | 784,006,000 | 763,529,000 |
| Noninterest-bearing deposits | 278,282,000 | 278,207,000 | 287,085,000 | 281,854,000 |
| Equity capital | 108,815,000 | 109,533,000 | 114,053,000 | 113,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 12,554,000 | 25,054,000 | 38,242,000 | 51,590,000 |
| Interest expense | 3,408,000 | 6,986,000 | 10,962,000 | 14,748,000 |
| Net interest income | 9,146,000 | 18,068,000 | 27,280,000 | 36,842,000 |
| Noninterest income | 1,778,000 | 3,542,000 | 5,333,000 | 7,090,000 |
| Noninterest expense | 6,002,000 | 11,723,000 | 18,071,000 | 24,182,000 |
| Provision for loan losses | 603,000 | 4,300,000 | 4,945,000 | 7,244,000 |
| Pretax income | 3,770,000 | 5,846,000 | 9,801,000 | 12,719,000 |
| Income tax | 723,000 | 1,096,000 | 1,863,000 | 2,405,000 |
| Net income | 3,047,000 | 4,750,000 | 7,938,000 | 10,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,438,000 | 114,890,000 | 116,679,000 | 117,655,000 |
| Total capital | 122,859,000 | 124,393,000 | 124,435,000 | 125,774,000 |
| Risk-weighted assets | 747,005,000 | 758,695,000 | 760,035,000 | 773,188,000 |