Call reports 2009
COMMUNITY SAVINGS BANK — 2009
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 391,756,000 | 403,926,000 | 409,225,000 | 415,717,000 |
| Total loans | 280,959,000 | 280,650,000 | 278,318,000 | 276,377,000 |
| Allowance for loan losses | 605,000 | 586,000 | 1,231,000 | 1,340,000 |
| Securities available for sale | 68,085,000 | 82,019,000 | 94,581,000 | 99,549,000 |
| Securities held to maturity | 6,997,000 | 3,001,000 | 2,001,000 | 1,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,459,000 | 337,044,000 | 342,475,000 | 349,879,000 |
| Interest-bearing deposits | 323,719,000 | 333,587,000 | 337,270,000 | 346,714,000 |
| Noninterest-bearing deposits | 1,740,000 | 3,457,000 | 5,205,000 | 3,165,000 |
| Equity capital | 64,240,000 | 64,330,000 | 64,138,000 | 63,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,835,000 | 9,592,000 | 14,296,000 | 18,872,000 |
| Interest expense | 2,167,000 | 4,222,000 | 6,245,000 | 8,193,000 |
| Net interest income | 2,668,000 | 5,370,000 | 8,051,000 | 10,679,000 |
| Noninterest income | 74,000 | 194,000 | 253,000 | 311,000 |
| Noninterest expense | 2,471,000 | 5,049,000 | 7,652,000 | 10,124,000 |
| Provision for loan losses | 17,000 | 109,000 | 760,000 | 1,051,000 |
| Pretax income | 254,000 | 412,000 | -94,000 | 7,000 |
| Income tax | 70,000 | 143,000 | 0 | 2,000 |
| Net income | 184,000 | 269,000 | -94,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,516,000 | 63,610,000 | 63,280,000 | 63,379,000 |
| Total capital | 64,121,000 | 64,196,000 | 64,511,000 | 64,719,000 |
| Risk-weighted assets | 177,924,000 | 179,179,000 | 180,512,000 | 181,220,000 |