Call reports 2004
COMMUNITY SAVINGS BANK — 2004
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 405,326,000 | 405,178,000 | 408,482,000 | 407,333,000 |
| Total loans | 229,799,000 | 230,615,000 | 228,492,000 | 231,590,000 |
| Allowance for loan losses | 500,000 | 500,000 | 500,000 | 500,000 |
| Securities available for sale | 69,110,000 | 64,621,000 | 61,823,000 | 59,916,000 |
| Securities held to maturity | 56,048,000 | 61,013,000 | 63,009,000 | 65,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,991,000 | 334,585,000 | 336,294,000 | 335,284,000 |
| Interest-bearing deposits | 330,418,000 | 329,504,000 | 328,978,000 | 330,500,000 |
| Noninterest-bearing deposits | 3,573,000 | 5,081,000 | 7,316,000 | 4,784,000 |
| Equity capital | 59,121,000 | 58,679,000 | 59,620,000 | 59,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,641,000 | 9,198,000 | 13,662,000 | 18,122,000 |
| Interest expense | 2,046,000 | 4,042,000 | 6,053,000 | 8,092,000 |
| Net interest income | 2,595,000 | 5,156,000 | 7,609,000 | 10,030,000 |
| Noninterest income | 73,000 | 184,000 | 255,000 | 335,000 |
| Noninterest expense | 2,579,000 | 4,731,000 | 6,884,000 | 9,033,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 711,000 | 1,082,000 | 1,434,000 |
| Income tax | 65,000 | 242,000 | 368,000 | 486,000 |
| Net income | 126,000 | 469,000 | 714,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,353,000 | 59,685,000 | 59,925,000 | 60,167,000 |
| Total capital | 59,853,000 | 60,185,000 | 60,425,000 | 60,667,000 |
| Risk-weighted assets | 152,953,000 | 154,877,000 | 177,872,000 | 157,031,000 |
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