Call reports 2008
COMMERCIAL SAVINGS BANK, THE — 2008
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 264,684,000 | 258,766,000 | 259,850,000 | 259,869,000 |
| Total loans | 191,337,000 | 193,929,000 | 196,912,000 | 198,650,000 |
| Allowance for loan losses | 2,328,000 | 2,425,000 | 2,403,000 | 2,483,000 |
| Securities available for sale | 42,673,000 | 38,817,000 | 37,832,000 | 35,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,738,000 | 228,076,000 | 223,523,000 | 231,803,000 |
| Interest-bearing deposits | 210,875,000 | 206,313,000 | 201,376,000 | 212,302,000 |
| Noninterest-bearing deposits | 22,862,000 | 21,762,000 | 22,147,000 | 19,501,000 |
| Equity capital | 21,129,000 | 20,686,000 | 20,849,000 | 21,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,227,000 | 8,313,000 | 12,380,000 | 16,294,000 |
| Interest expense | 1,847,000 | 3,332,000 | 4,758,000 | 6,274,000 |
| Net interest income | 2,380,000 | 4,981,000 | 7,622,000 | 10,020,000 |
| Noninterest income | 570,000 | 1,178,000 | 1,835,000 | 2,597,000 |
| Noninterest expense | 2,510,000 | 4,964,000 | 7,388,000 | 9,832,000 |
| Provision for loan losses | 135,000 | 355,000 | 625,000 | 1,127,000 |
| Pretax income | 305,000 | 840,000 | 1,444,000 | 1,658,000 |
| Income tax | 23,000 | 124,000 | 251,000 | 246,000 |
| Net income | 282,000 | 716,000 | 1,193,000 | 1,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,763,000 | 20,868,000 | 21,094,000 | 21,167,000 |
| Total capital | 23,091,000 | 23,293,000 | 23,497,000 | 23,650,000 |
| Risk-weighted assets | 209,829,000 | 209,752,000 | 210,525,000 | 210,213,000 |