Call reports 2010
COMMUNITY SAVINGS BANK — 2010
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 416,848,000 | 424,038,000 | 426,370,000 | 424,364,000 |
| Total loans | 273,330,000 | 272,149,000 | 267,735,000 | 265,386,000 |
| Allowance for loan losses | 1,209,000 | 1,543,000 | 1,616,000 | 2,027,000 |
| Securities available for sale | 101,799,000 | 115,633,000 | 116,294,000 | 120,148,000 |
| Securities held to maturity | 1,001,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,648,000 | 358,792,000 | 361,253,000 | 360,046,000 |
| Interest-bearing deposits | 350,260,000 | 355,798,000 | 356,582,000 | 355,122,000 |
| Noninterest-bearing deposits | 1,388,000 | 2,994,000 | 4,671,000 | 4,924,000 |
| Equity capital | 63,771,000 | 63,668,000 | 63,406,000 | 63,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,466,000 | 8,904,000 | 13,195,000 | 17,485,000 |
| Interest expense | 1,813,000 | 3,585,000 | 5,321,000 | 6,972,000 |
| Net interest income | 2,653,000 | 5,319,000 | 7,874,000 | 10,513,000 |
| Noninterest income | 77,000 | 170,000 | 199,000 | 274,000 |
| Noninterest expense | 2,456,000 | 4,927,000 | 7,526,000 | 9,705,000 |
| Provision for loan losses | 43,000 | 381,000 | 669,000 | 1,150,000 |
| Pretax income | 231,000 | 202,000 | -101,000 | -47,000 |
| Income tax | 78,000 | 68,000 | 0 | -9,000 |
| Net income | 153,000 | 134,000 | -101,000 | -38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,529,000 | 63,521,000 | 63,278,000 | 63,340,000 |
| Total capital | 64,738,000 | 65,073,000 | 64,906,000 | 65,382,000 |
| Risk-weighted assets | 176,088,000 | 176,013,000 | 170,293,000 | 167,933,000 |