Call reports 2008
COMMUNITY SAVINGS BANK — 2008
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 389,344,000 | 394,347,000 | 390,381,000 | 389,854,000 |
| Total loans | 282,141,000 | 284,327,000 | 283,994,000 | 282,917,000 |
| Allowance for loan losses | 526,000 | 530,000 | 535,000 | 597,000 |
| Securities available for sale | 56,580,000 | 61,550,000 | 58,414,000 | 60,483,000 |
| Securities held to maturity | 14,995,000 | 14,996,000 | 14,996,000 | 10,997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,468,000 | 328,840,000 | 324,361,000 | 322,947,000 |
| Interest-bearing deposits | 320,754,000 | 325,426,000 | 319,121,000 | 319,826,000 |
| Noninterest-bearing deposits | 2,714,000 | 3,414,000 | 5,240,000 | 3,121,000 |
| Equity capital | 63,515,000 | 63,450,000 | 63,768,000 | 64,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,105,000 | 10,198,000 | 15,281,000 | 20,262,000 |
| Interest expense | 2,657,000 | 5,149,000 | 7,484,000 | 9,725,000 |
| Net interest income | 2,448,000 | 5,049,000 | 7,797,000 | 10,537,000 |
| Noninterest income | 52,000 | 102,000 | 215,000 | 274,000 |
| Noninterest expense | 2,871,000 | 4,988,000 | 7,330,000 | 9,544,000 |
| Provision for loan losses | 16,000 | 20,000 | 25,000 | 91,000 |
| Pretax income | -387,000 | 287,000 | 801,000 | 787,000 |
| Income tax | 0 | 95,000 | 296,000 | 270,000 |
| Net income | -387,000 | 192,000 | 505,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,722,000 | 63,151,000 | 63,446,000 | 63,363,000 |
| Total capital | 63,248,000 | 63,681,000 | 63,981,000 | 63,960,000 |
| Risk-weighted assets | 182,617,000 | 184,282,000 | 182,591,000 | 181,559,000 |