Call reports 2005
COMMERCIAL SAVINGS BANK, THE — 2005
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 291,792,000 | 294,377,000 | 294,351,000 | 304,683,000 |
| Total loans | 213,244,000 | 216,456,000 | 220,126,000 | 228,377,000 |
| Allowance for loan losses | 2,525,000 | 2,509,000 | 2,634,000 | 2,755,000 |
| Securities available for sale | 58,028,000 | 58,489,000 | 55,627,000 | 54,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,602,000 | 246,701,000 | 243,395,000 | 248,701,000 |
| Interest-bearing deposits | 225,953,000 | 224,637,000 | 221,145,000 | 220,934,000 |
| Noninterest-bearing deposits | 21,649,000 | 22,065,000 | 22,250,000 | 27,767,000 |
| Equity capital | 21,154,000 | 21,983,000 | 21,954,000 | 21,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,151,000 | 8,545,000 | 13,060,000 | 17,882,000 |
| Interest expense | 1,421,000 | 2,905,000 | 4,504,000 | 6,303,000 |
| Net interest income | 2,730,000 | 5,640,000 | 8,556,000 | 11,579,000 |
| Noninterest income | 548,000 | 1,167,000 | 1,825,000 | 2,444,000 |
| Noninterest expense | 2,526,000 | 5,032,000 | 7,565,000 | 10,534,000 |
| Provision for loan losses | 220,000 | 585,000 | 950,000 | 1,355,000 |
| Pretax income | 557,000 | 1,214,000 | 1,898,000 | 2,165,000 |
| Income tax | 119,000 | 271,000 | 432,000 | 462,000 |
| Net income | 438,000 | 943,000 | 1,466,000 | 1,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,721,000 | 21,913,000 | 22,219,000 | 21,768,000 |
| Total capital | 24,246,000 | 24,421,000 | 24,853,000 | 24,523,000 |
| Risk-weighted assets | 231,945,000 | 233,176,000 | 234,081,000 | 243,543,000 |