Call reports 2011
COMMUNITY SAVINGS BANK — 2011
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 424,998,000 | 423,618,000 | 426,988,000 | 423,386,000 |
| Total loans | 262,430,000 | 258,459,000 | 254,740,000 | 248,317,000 |
| Allowance for loan losses | 2,303,000 | 2,286,000 | 1,364,000 | 1,436,000 |
| Securities available for sale | 120,733,000 | 128,045,000 | 134,689,000 | 125,987,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,692,000 | 358,904,000 | 361,660,000 | 357,973,000 |
| Interest-bearing deposits | 359,187,000 | 355,562,000 | 356,582,000 | 354,313,000 |
| Noninterest-bearing deposits | 1,505,000 | 3,342,000 | 5,078,000 | 3,660,000 |
| Equity capital | 63,136,000 | 63,127,000 | 63,368,000 | 63,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,210,000 | 8,380,000 | 12,507,000 | 16,515,000 |
| Interest expense | 1,498,000 | 2,887,000 | 4,176,000 | 5,359,000 |
| Net interest income | 2,712,000 | 5,493,000 | 8,331,000 | 11,156,000 |
| Noninterest income | 63,000 | 126,000 | 208,000 | 271,000 |
| Noninterest expense | 2,522,000 | 5,111,000 | 7,520,000 | 9,907,000 |
| Provision for loan losses | 365,000 | 904,000 | 1,282,000 | 1,557,000 |
| Pretax income | -108,000 | -385,000 | -252,000 | -26,000 |
| Income tax | 0 | 0 | 0 | -2,000 |
| Net income | -108,000 | -385,000 | -252,000 | -24,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,232,000 | 62,955,000 | 63,089,000 | 63,316,000 |
| Total capital | 65,335,000 | 65,256,000 | 64,460,000 | 64,760,000 |
| Risk-weighted assets | 166,927,000 | 184,562,000 | 182,934,000 | 175,928,000 |