Call reports 2004
COMMERCIAL SAVINGS BANK, THE — 2004
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 274,857,000 | 274,482,000 | 285,136,000 | 296,650,000 |
| Total loans | 202,242,000 | 207,882,000 | 211,312,000 | 214,851,000 |
| Allowance for loan losses | 2,463,000 | 2,439,000 | 2,418,000 | 2,504,000 |
| Securities available for sale | 49,142,000 | 49,545,000 | 57,627,000 | 57,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,383,000 | 237,678,000 | 240,173,000 | 249,346,000 |
| Interest-bearing deposits | 217,234,000 | 216,519,000 | 219,745,000 | 222,335,000 |
| Noninterest-bearing deposits | 23,149,000 | 21,159,000 | 20,428,000 | 27,012,000 |
| Equity capital | 21,505,000 | 20,280,000 | 21,579,000 | 21,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,859,000 | 7,802,000 | 11,967,000 | 16,348,000 |
| Interest expense | 1,255,000 | 2,494,000 | 3,816,000 | 5,207,000 |
| Net interest income | 2,604,000 | 5,308,000 | 8,151,000 | 11,141,000 |
| Noninterest income | 573,000 | 1,138,000 | 1,697,000 | 2,250,000 |
| Noninterest expense | 2,338,000 | 4,828,000 | 7,367,000 | 10,036,000 |
| Provision for loan losses | 300,000 | 702,000 | 1,132,000 | 1,487,000 |
| Pretax income | 566,000 | 943,000 | 1,382,000 | 2,066,000 |
| Income tax | 110,000 | 161,000 | 234,000 | 474,000 |
| Net income | 456,000 | 782,000 | 1,148,000 | 1,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,908,000 | 21,021,000 | 21,265,000 | 21,504,000 |
| Total capital | 23,371,000 | 23,460,000 | 23,683,000 | 24,008,000 |
| Risk-weighted assets | 209,582,000 | 213,535,000 | 218,896,000 | 248,741,000 |