Call reports 2013
COMMERCIAL SAVINGS BANK, THE — 2013
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 303,818,000 | 298,686,000 | 308,034,000 | 317,649,000 |
| Total loans | 239,740,000 | 253,876,000 | 259,564,000 | 269,968,000 |
| Allowance for loan losses | 4,015,000 | 4,167,000 | 4,268,000 | 4,343,000 |
| Securities available for sale | 14,095,000 | 15,434,000 | 15,020,000 | 13,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,001,000 | 264,169,000 | 268,358,000 | 281,592,000 |
| Interest-bearing deposits | 223,951,000 | 219,224,000 | 225,712,000 | 232,388,000 |
| Noninterest-bearing deposits | 47,050,000 | 44,945,000 | 42,646,000 | 49,205,000 |
| Equity capital | 29,289,000 | 29,754,000 | 30,327,000 | 30,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,356,000 | 6,871,000 | 10,432,000 | 14,041,000 |
| Interest expense | 339,000 | 646,000 | 926,000 | 1,170,000 |
| Net interest income | 3,017,000 | 6,225,000 | 9,506,000 | 12,871,000 |
| Noninterest income | 525,000 | 1,047,000 | 1,552,000 | 2,053,000 |
| Noninterest expense | 2,505,000 | 4,974,000 | 7,461,000 | 9,917,000 |
| Provision for loan losses | 22,000 | 150,000 | 289,000 | 531,000 |
| Pretax income | 1,015,000 | 2,148,000 | 3,308,000 | 4,476,000 |
| Income tax | 300,000 | 629,000 | 971,000 | 1,322,000 |
| Net income | 715,000 | 1,519,000 | 2,337,000 | 3,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,709,000 | 29,349,000 | 29,972,000 | 30,595,000 |
| Total capital | 31,742,000 | 32,536,000 | 33,247,000 | 33,968,000 |
| Risk-weighted assets | 241,759,000 | 253,949,000 | 261,010,000 | 268,840,000 |