Call reports 2007
COMMERCIAL SAVINGS BANK, THE — 2007
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 273,997,000 | 264,090,000 | 268,508,000 | 270,645,000 |
| Total loans | 186,684,000 | 184,759,000 | 195,431,000 | 195,153,000 |
| Allowance for loan losses | 1,977,000 | 1,930,000 | 2,140,000 | 2,411,000 |
| Securities available for sale | 48,977,000 | 47,459,000 | 47,189,000 | 46,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,271,000 | 243,206,000 | 244,445,000 | 238,633,000 |
| Interest-bearing deposits | 230,211,000 | 222,016,000 | 222,961,000 | 216,003,000 |
| Noninterest-bearing deposits | 22,060,000 | 21,190,000 | 21,484,000 | 22,630,000 |
| Equity capital | 20,540,000 | 19,520,000 | 19,778,000 | 21,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,448,000 | 8,929,000 | 13,424,000 | 17,882,000 |
| Interest expense | 2,051,000 | 4,131,000 | 6,285,000 | 8,371,000 |
| Net interest income | 2,397,000 | 4,798,000 | 7,139,000 | 9,511,000 |
| Noninterest income | 478,000 | 1,084,000 | 1,622,000 | 2,148,000 |
| Noninterest expense | 2,569,000 | 5,484,000 | 8,168,000 | 11,123,000 |
| Provision for loan losses | 277,000 | 712,000 | 952,000 | 1,332,000 |
| Pretax income | 29,000 | -314,000 | -359,000 | -796,000 |
| Income tax | -60,000 | -253,000 | -364,000 | -555,000 |
| Net income | 89,000 | -61,000 | 5,000 | -241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,899,000 | 20,384,000 | 20,136,000 | 21,127,000 |
| Total capital | 22,876,000 | 22,314,000 | 22,276,000 | 23,538,000 |
| Risk-weighted assets | 203,937,000 | 201,824,000 | 213,518,000 | 212,491,000 |