Call reports 2005
COMMUNITY SAVINGS BANK — 2005
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 407,047,000 | 406,162,000 | 406,129,000 | 396,140,000 |
| Total loans | 238,061,000 | 247,904,000 | 251,713,000 | 254,630,000 |
| Allowance for loan losses | 500,000 | 500,000 | 500,000 | 500,000 |
| Securities available for sale | 57,819,000 | 53,648,000 | 48,692,000 | 40,975,000 |
| Securities held to maturity | 66,005,000 | 66,005,000 | 65,006,000 | 63,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,150,000 | 333,438,000 | 332,822,000 | 322,731,000 |
| Interest-bearing deposits | 331,686,000 | 326,676,000 | 325,122,000 | 316,022,000 |
| Noninterest-bearing deposits | 3,464,000 | 6,762,000 | 7,700,000 | 6,709,000 |
| Equity capital | 59,606,000 | 60,120,000 | 60,437,000 | 60,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,488,000 | 9,149,000 | 13,849,000 | 18,566,000 |
| Interest expense | 2,038,000 | 4,092,000 | 6,080,000 | 8,101,000 |
| Net interest income | 2,450,000 | 5,057,000 | 7,769,000 | 10,465,000 |
| Noninterest income | 84,000 | 186,000 | 251,000 | 344,000 |
| Noninterest expense | 2,788,000 | 4,995,000 | 7,129,000 | 9,251,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -254,000 | 248,000 | 891,000 | 1,558,000 |
| Income tax | 0 | 84,000 | 303,000 | 528,000 |
| Net income | -254,000 | 164,000 | 588,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,905,000 | 60,319,000 | 60,738,000 | 61,182,000 |
| Total capital | 60,405,000 | 60,819,000 | 61,238,000 | 61,682,000 |
| Risk-weighted assets | 159,995,000 | 166,242,000 | 170,122,000 | 169,895,000 |
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