Call reports 2010
COMMERCIAL SAVINGS BANK, THE — 2010
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 297,275,000 | 296,568,000 | 309,096,000 | 304,268,000 |
| Total loans | 219,297,000 | 222,575,000 | 225,956,000 | 230,658,000 |
| Allowance for loan losses | 2,681,000 | 2,761,000 | 2,963,000 | 3,198,000 |
| Securities available for sale | 35,137,000 | 35,459,000 | 37,108,000 | 33,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,352,000 | 271,055,000 | 282,329,000 | 277,422,000 |
| Interest-bearing deposits | 240,259,000 | 245,432,000 | 252,854,000 | 243,851,000 |
| Noninterest-bearing deposits | 27,093,000 | 25,624,000 | 29,474,000 | 33,572,000 |
| Equity capital | 22,666,000 | 23,164,000 | 23,933,000 | 23,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,916,000 | 7,841,000 | 11,810,000 | 15,740,000 |
| Interest expense | 967,000 | 1,898,000 | 2,770,000 | 3,555,000 |
| Net interest income | 2,949,000 | 5,943,000 | 9,040,000 | 12,185,000 |
| Noninterest income | 430,000 | 979,000 | 1,511,000 | 2,153,000 |
| Noninterest expense | 2,429,000 | 4,932,000 | 7,356,000 | 9,753,000 |
| Provision for loan losses | 245,000 | 525,000 | 905,000 | 1,370,000 |
| Pretax income | 705,000 | 1,465,000 | 2,290,000 | 3,215,000 |
| Income tax | 161,000 | 343,000 | 547,000 | 792,000 |
| Net income | 544,000 | 1,122,000 | 1,743,000 | 2,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,997,000 | 22,422,000 | 22,908,000 | 23,434,000 |
| Total capital | 24,678,000 | 25,183,000 | 25,809,000 | 26,367,000 |
| Risk-weighted assets | 225,629,000 | 227,655,000 | 232,008,000 | 234,406,000 |