Call reports 2025
COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE — 2025
What COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,218,285,000 | 1,237,818,000 | 1,247,943,000 | 1,292,368,000 |
| Total loans | 761,240,000 | 788,070,000 | 810,432,000 | 829,991,000 |
| Allowance for loan losses | 7,974,000 | 8,251,000 | 8,720,000 | 12,470,000 |
| Securities available for sale | 119,428,000 | 110,067,000 | 115,795,000 | 132,217,000 |
| Securities held to maturity | 200,000,000 | 195,048,000 | 190,027,000 | 183,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,071,288,000 | 1,090,017,000 | 1,097,334,000 | 1,128,690,000 |
| Interest-bearing deposits | 787,522,000 | 806,560,000 | 818,758,000 | 838,968,000 |
| Noninterest-bearing deposits | 283,766,000 | 283,457,000 | 278,576,000 | 289,722,000 |
| Equity capital | 117,484,000 | 120,607,000 | 124,043,000 | 125,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,279,000 | 27,203,000 | 41,915,000 | 57,025,000 |
| Interest expense | 3,600,000 | 7,183,000 | 10,959,000 | 14,653,000 |
| Net interest income | 9,679,000 | 20,020,000 | 30,956,000 | 42,372,000 |
| Noninterest income | 1,697,000 | 3,467,000 | 5,336,000 | 7,283,000 |
| Noninterest expense | 6,307,000 | 13,066,000 | 20,125,000 | 27,262,000 |
| Provision for loan losses | 408,000 | 1,047,000 | 1,527,000 | 5,303,000 |
| Pretax income | 4,667,000 | 9,405,000 | 14,650,000 | 17,018,000 |
| Income tax | 914,000 | 1,841,000 | 2,875,000 | 3,296,000 |
| Net income | 3,753,000 | 7,564,000 | 11,775,000 | 13,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,907,000 | 122,219,000 | 124,929,000 | 125,377,000 |
| Total capital | 128,400,000 | 130,963,000 | 134,163,000 | 135,710,000 |
| Risk-weighted assets | 781,874,000 | 805,331,000 | 811,798,000 | 823,922,000 |