Call reports 2011
COMMERCIAL SAVINGS BANK, THE — 2011
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 300,871,000 | 291,163,000 | 289,772,000 | 288,080,000 |
| Total loans | 222,134,000 | 223,838,000 | 224,194,000 | 234,873,000 |
| Allowance for loan losses | 3,242,000 | 3,536,000 | 3,700,000 | 3,779,000 |
| Securities available for sale | 35,071,000 | 34,149,000 | 29,917,000 | 24,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,847,000 | 263,992,000 | 261,656,000 | 259,344,000 |
| Interest-bearing deposits | 239,993,000 | 231,157,000 | 227,385,000 | 220,941,000 |
| Noninterest-bearing deposits | 33,855,000 | 32,835,000 | 34,271,000 | 38,404,000 |
| Equity capital | 24,497,000 | 25,075,000 | 25,990,000 | 26,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,714,000 | 7,472,000 | 11,311,000 | 15,036,000 |
| Interest expense | 628,000 | 1,185,000 | 1,700,000 | 2,112,000 |
| Net interest income | 3,086,000 | 6,287,000 | 9,611,000 | 12,924,000 |
| Noninterest income | 469,000 | 1,003,000 | 1,498,000 | 2,055,000 |
| Noninterest expense | 2,490,000 | 5,014,000 | 7,452,000 | 10,015,000 |
| Provision for loan losses | 195,000 | 525,000 | 754,000 | 989,000 |
| Pretax income | 870,000 | 1,751,000 | 2,903,000 | 3,975,000 |
| Income tax | 226,000 | 456,000 | 778,000 | 1,086,000 |
| Net income | 644,000 | 1,295,000 | 2,125,000 | 2,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,907,000 | 24,419,000 | 25,110,000 | 25,729,000 |
| Total capital | 26,739,000 | 27,248,000 | 28,010,000 | 28,729,000 |
| Risk-weighted assets | 226,135,000 | 225,574,000 | 231,202,000 | 239,233,000 |