Call reports 2014
COMMERCIAL SAVINGS BANK, THE — 2014
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 319,123,000 | 327,324,000 | 324,857,000 | 336,385,000 |
| Total loans | 270,083,000 | 276,080,000 | 278,668,000 | 279,150,000 |
| Allowance for loan losses | 4,336,000 | 4,354,000 | 4,364,000 | 4,126,000 |
| Securities available for sale | 13,193,000 | 13,014,000 | 12,300,000 | 11,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,153,000 | 284,490,000 | 284,847,000 | 299,217,000 |
| Interest-bearing deposits | 236,202,000 | 241,569,000 | 241,715,000 | 249,076,000 |
| Noninterest-bearing deposits | 47,951,000 | 42,921,000 | 43,132,000 | 50,141,000 |
| Equity capital | 31,520,000 | 32,194,000 | 32,810,000 | 33,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,503,000 | 7,070,000 | 10,785,000 | 14,476,000 |
| Interest expense | 218,000 | 426,000 | 634,000 | 852,000 |
| Net interest income | 3,285,000 | 6,644,000 | 10,151,000 | 13,624,000 |
| Noninterest income | 528,000 | 1,024,000 | 1,538,000 | 2,013,000 |
| Noninterest expense | 2,525,000 | 5,006,000 | 7,743,000 | 10,439,000 |
| Provision for loan losses | 151,000 | 261,000 | 287,000 | 309,000 |
| Pretax income | 1,137,000 | 2,401,000 | 3,659,000 | 4,889,000 |
| Income tax | 351,000 | 730,000 | 1,110,000 | 1,486,000 |
| Net income | 786,000 | 1,671,000 | 2,549,000 | 3,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,186,000 | 31,873,000 | 32,526,000 | 33,154,000 |
| Total capital | 34,571,000 | 35,365,000 | 36,017,000 | 36,667,000 |
| Risk-weighted assets | 269,879,000 | 278,457,000 | 278,414,000 | 280,391,000 |