Call reports 2001
COMMERCIAL SAVINGS BANK, THE — 2001
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 259,178,000 | 255,078,000 | 245,643,000 | 246,069,000 |
| Total loans | 204,591,000 | 207,119,000 | 200,788,000 | 198,937,000 |
| Allowance for loan losses | 1,782,000 | 2,060,000 | 2,120,000 | 1,743,000 |
| Securities available for sale | 32,012,000 | 31,083,000 | 28,082,000 | 28,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,311,000 | 208,820,000 | 200,039,000 | 205,412,000 |
| Interest-bearing deposits | 201,512,000 | 192,354,000 | 183,370,000 | 186,506,000 |
| Noninterest-bearing deposits | 17,799,000 | 16,466,000 | 16,669,000 | 18,906,000 |
| Equity capital | 19,663,000 | 18,918,000 | 19,484,000 | 19,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 5,117,000 | 10,024,000 | 14,800,000 | 19,228,000 |
| Interest expense | 2,832,000 | 5,502,000 | 7,885,000 | 9,943,000 |
| Net interest income | 2,285,000 | 4,522,000 | 6,915,000 | 9,285,000 |
| Noninterest income | 718,000 | 1,120,000 | 1,736,000 | 2,040,000 |
| Noninterest expense | 2,110,000 | 4,285,000 | 6,451,000 | 8,650,000 |
| Provision for loan losses | 250,000 | 600,000 | 830,000 | 1,090,000 |
| Pretax income | 685,000 | 821,000 | 1,538,000 | 1,851,000 |
| Income tax | 179,000 | 169,000 | 360,000 | 424,000 |
| Net income | 506,000 | 652,000 | 1,178,000 | 1,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,378,000 | 18,815,000 | 19,139,000 | 19,185,000 |
| Total capital | 21,160,000 | 20,875,000 | 21,259,000 | 20,928,000 |
| Risk-weighted assets | 199,222,000 | 195,095,000 | 189,050,000 | 185,176,000 |