Call reports 2009
COMMERCIAL SAVINGS BANK, THE — 2009
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 269,248,000 | 270,760,000 | 282,380,000 | 294,236,000 |
| Total loans | 197,677,000 | 205,810,000 | 219,476,000 | 228,008,000 |
| Allowance for loan losses | 2,348,000 | 2,402,000 | 2,496,000 | 2,744,000 |
| Securities available for sale | 35,088,000 | 36,345,000 | 34,153,000 | 34,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,914,000 | 242,380,000 | 252,418,000 | 264,837,000 |
| Interest-bearing deposits | 219,047,000 | 218,458,000 | 228,355,000 | 233,355,000 |
| Noninterest-bearing deposits | 21,868,000 | 23,922,000 | 24,063,000 | 31,482,000 |
| Equity capital | 21,584,000 | 21,427,000 | 22,083,000 | 22,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,769,000 | 7,566,000 | 11,566,000 | 15,529,000 |
| Interest expense | 1,423,000 | 2,705,000 | 3,882,000 | 4,960,000 |
| Net interest income | 2,346,000 | 4,861,000 | 7,684,000 | 10,569,000 |
| Noninterest income | 564,000 | 1,152,000 | 1,783,000 | 2,313,000 |
| Noninterest expense | 2,389,000 | 5,054,000 | 7,659,000 | 10,122,000 |
| Provision for loan losses | 284,000 | 615,000 | 1,000,000 | 1,484,000 |
| Pretax income | 237,000 | 344,000 | 830,000 | 1,298,000 |
| Income tax | 0 | -44,000 | 40,000 | 126,000 |
| Net income | 237,000 | 388,000 | 790,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,188,000 | 21,123,000 | 21,350,000 | 21,582,000 |
| Total capital | 23,536,000 | 23,525,000 | 23,846,000 | 24,326,000 |
| Risk-weighted assets | 210,925,000 | 217,616,000 | 228,855,000 | 237,102,000 |