Call reports 2012
COMMERCIAL SAVINGS BANK, THE — 2012
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 303,068,000 | 294,438,000 | 298,029,000 | 301,415,000 |
| Total loans | 230,832,000 | 235,819,000 | 244,971,000 | 247,344,000 |
| Allowance for loan losses | 3,908,000 | 3,910,000 | 4,250,000 | 4,041,000 |
| Securities available for sale | 21,953,000 | 20,673,000 | 18,117,000 | 14,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,243,000 | 264,915,000 | 265,994,000 | 268,684,000 |
| Interest-bearing deposits | 232,632,000 | 226,742,000 | 225,134,000 | 222,826,000 |
| Noninterest-bearing deposits | 41,612,000 | 38,173,000 | 40,860,000 | 45,858,000 |
| Equity capital | 27,112,000 | 27,770,000 | 28,221,000 | 28,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,626,000 | 7,155,000 | 10,692,000 | 14,247,000 |
| Interest expense | 383,000 | 753,000 | 1,124,000 | 1,490,000 |
| Net interest income | 3,243,000 | 6,402,000 | 9,568,000 | 12,757,000 |
| Noninterest income | 524,000 | 1,084,000 | 1,632,000 | 2,208,000 |
| Noninterest expense | 2,500,000 | 4,971,000 | 7,453,000 | 9,912,000 |
| Provision for loan losses | 150,000 | 240,000 | 648,000 | 798,000 |
| Pretax income | 1,117,000 | 2,275,000 | 3,099,000 | 4,255,000 |
| Income tax | 321,000 | 655,000 | 879,000 | 1,225,000 |
| Net income | 796,000 | 1,620,000 | 2,220,000 | 3,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,380,000 | 27,058,000 | 27,511,000 | 28,158,000 |
| Total capital | 29,320,000 | 30,085,000 | 30,624,000 | 31,296,000 |
| Risk-weighted assets | 234,203,000 | 241,323,000 | 247,881,000 | 250,112,000 |