Call reports 2006
COMMERCIAL SAVINGS BANK, THE — 2006
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 296,188,000 | 288,800,000 | 282,025,000 | 271,865,000 |
| Total loans | 219,034,000 | 215,155,000 | 202,411,000 | 195,105,000 |
| Allowance for loan losses | 2,632,000 | 2,538,000 | 2,211,000 | 2,015,000 |
| Securities available for sale | 52,774,000 | 50,821,000 | 50,630,000 | 49,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,256,000 | 242,875,000 | 245,050,000 | 249,757,000 |
| Interest-bearing deposits | 221,002,000 | 221,579,000 | 224,019,000 | 227,640,000 |
| Noninterest-bearing deposits | 23,253,000 | 21,295,000 | 21,031,000 | 22,116,000 |
| Equity capital | 21,275,000 | 19,933,000 | 20,803,000 | 20,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,804,000 | 9,715,000 | 14,481,000 | 19,151,000 |
| Interest expense | 1,987,000 | 4,148,000 | 6,371,000 | 8,488,000 |
| Net interest income | 2,817,000 | 5,567,000 | 8,110,000 | 10,663,000 |
| Noninterest income | 679,000 | 1,296,000 | 1,833,000 | 2,442,000 |
| Noninterest expense | 2,636,000 | 5,218,000 | 7,832,000 | 10,298,000 |
| Provision for loan losses | 180,000 | 285,000 | 383,000 | 435,000 |
| Pretax income | 680,000 | 1,360,000 | 1,728,000 | 2,372,000 |
| Income tax | 158,000 | 314,000 | 370,000 | 525,000 |
| Net income | 522,000 | 1,046,000 | 1,358,000 | 1,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,075,000 | 21,179,000 | 21,279,000 | 21,351,000 |
| Total capital | 24,707,000 | 23,717,000 | 23,490,000 | 23,366,000 |
| Risk-weighted assets | 236,332,000 | 232,922,000 | 220,313,000 | 211,904,000 |