Call reports 2003
COMMERCIAL SAVINGS BANK, THE — 2003
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 257,229,000 | 267,315,000 | 267,020,000 | 272,946,000 |
| Total loans | 196,496,000 | 205,327,000 | 205,363,000 | 206,963,000 |
| Allowance for loan losses | 1,958,000 | 1,981,000 | 2,059,000 | 2,503,000 |
| Securities available for sale | 42,737,000 | 43,980,000 | 42,741,000 | 45,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,064,000 | 231,996,000 | 231,923,000 | 238,948,000 |
| Interest-bearing deposits | 202,210,000 | 211,493,000 | 211,702,000 | 212,685,000 |
| Noninterest-bearing deposits | 20,854,000 | 20,503,000 | 20,221,000 | 26,263,000 |
| Equity capital | 20,605,000 | 21,831,000 | 21,199,000 | 20,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,969,000 | 8,056,000 | 11,645,000 | 15,600,000 |
| Interest expense | 1,446,000 | 2,859,000 | 4,270,000 | 5,582,000 |
| Net interest income | 2,523,000 | 5,197,000 | 7,375,000 | 10,018,000 |
| Noninterest income | 526,000 | 1,082,000 | 2,182,000 | 2,750,000 |
| Noninterest expense | 2,290,000 | 4,569,000 | 6,817,000 | 9,403,000 |
| Provision for loan losses | 300,000 | 625,000 | 1,090,000 | 1,972,000 |
| Pretax income | 481,000 | 1,181,000 | 1,792,000 | 1,523,000 |
| Income tax | 94,000 | 238,000 | 343,000 | 166,000 |
| Net income | 387,000 | 943,000 | 1,449,000 | 1,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,391,000 | 20,742,000 | 21,039,000 | 20,666,000 |
| Total capital | 22,349,000 | 22,723,000 | 23,098,000 | 23,169,000 |
| Risk-weighted assets | 195,891,000 | 205,607,000 | 206,771,000 | 208,092,000 |