Call reports 2015
COMMERCIAL SAVINGS BANK, THE — 2015
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 339,104,000 | 326,321,000 | 331,767,000 | 340,976,000 |
| Total loans | 273,789,000 | 277,996,000 | 283,485,000 | 296,933,000 |
| Allowance for loan losses | 4,105,000 | 4,096,000 | 3,935,000 | 3,861,000 |
| Securities available for sale | 11,940,000 | 11,719,000 | 10,628,000 | 8,710,000 |
| Securities held to maturity | 0 | 740,000 | 740,000 | 666,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,467,000 | 288,206,000 | 292,893,000 | 296,729,000 |
| Interest-bearing deposits | 252,493,000 | 231,360,000 | 242,527,000 | 241,059,000 |
| Noninterest-bearing deposits | 48,974,000 | 56,845,000 | 50,366,000 | 55,670,000 |
| Equity capital | 33,991,000 | 34,550,000 | 35,193,000 | 35,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,532,000 | 7,234,000 | 10,887,000 | 14,554,000 |
| Interest expense | 214,000 | 419,000 | 620,000 | 823,000 |
| Net interest income | 3,318,000 | 6,815,000 | 10,267,000 | 13,731,000 |
| Noninterest income | 512,000 | 972,000 | 1,483,000 | 1,993,000 |
| Noninterest expense | 2,654,000 | 5,342,000 | 7,883,000 | 10,490,000 |
| Provision for loan losses | -4,000 | 52,000 | 138,000 | 188,000 |
| Pretax income | 1,180,000 | 2,393,000 | 3,729,000 | 5,046,000 |
| Income tax | 372,000 | 738,000 | 1,103,000 | 1,510,000 |
| Net income | 808,000 | 1,655,000 | 2,626,000 | 3,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,735,000 | 34,354,000 | 35,023,000 | 35,381,000 |
| Total capital | 37,166,000 | 37,796,000 | 38,643,000 | 39,135,000 |
| Risk-weighted assets | 273,844,000 | 274,724,000 | 289,311,000 | 300,245,000 |