Call reports 2016
COMMERCIAL SAVINGS BANK, THE — 2016
What COMMERCIAL SAVINGS BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 340,721,000 | 341,758,000 | 346,546,000 | 355,721,000 |
| Total loans | 297,467,000 | 297,872,000 | 300,264,000 | 297,487,000 |
| Allowance for loan losses | 3,862,000 | 3,853,000 | 3,884,000 | 3,886,000 |
| Securities available for sale | 8,566,000 | 8,426,000 | 8,280,000 | 4,788,000 |
| Securities held to maturity | 666,000 | 666,000 | 666,000 | 592,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,902,000 | 301,489,000 | 305,487,000 | 314,058,000 |
| Interest-bearing deposits | 250,034,000 | 249,581,000 | 254,248,000 | 254,841,000 |
| Noninterest-bearing deposits | 48,868,000 | 51,909,000 | 51,239,000 | 59,217,000 |
| Equity capital | 36,444,000 | 37,151,000 | 37,753,000 | 38,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,719,000 | 7,502,000 | 11,237,000 | 14,922,000 |
| Interest expense | 207,000 | 423,000 | 642,000 | 868,000 |
| Net interest income | 3,512,000 | 7,079,000 | 10,595,000 | 14,054,000 |
| Noninterest income | 1,149,000 | 1,678,000 | 2,197,000 | 2,737,000 |
| Noninterest expense | 2,575,000 | 5,174,000 | 7,865,000 | 10,425,000 |
| Provision for loan losses | 22,000 | 17,000 | 69,000 | 65,000 |
| Pretax income | 2,056,000 | 3,558,000 | 4,850,000 | 6,293,000 |
| Income tax | 436,000 | 917,000 | 1,297,000 | 1,763,000 |
| Net income | 1,620,000 | 2,641,000 | 3,553,000 | 4,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,301,000 | 37,022,000 | 37,641,000 | 38,316,000 |
| Total capital | 40,042,000 | 40,776,000 | 41,410,000 | 42,043,000 |
| Risk-weighted assets | 299,153,000 | 300,221,000 | 301,431,000 | 298,037,000 |