Call reports 2012
COMMUNITY SAVINGS BANK — 2012
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 424,464,000 | 427,822,000 | 420,628,000 | 421,283,000 |
| Total loans | 244,180,000 | 240,130,000 | 233,602,000 | 226,790,000 |
| Allowance for loan losses | 1,349,000 | 1,319,000 | 1,557,000 | 1,738,000 |
| Securities available for sale | 136,267,000 | 142,647,000 | 141,393,000 | 147,981,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,130,000 | 362,135,000 | 354,649,000 | 356,184,000 |
| Interest-bearing deposits | 357,252,000 | 357,624,000 | 350,423,000 | 350,720,000 |
| Noninterest-bearing deposits | 1,878,000 | 4,511,000 | 4,226,000 | 5,464,000 |
| Equity capital | 63,663,000 | 63,714,000 | 63,319,000 | 62,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,816,000 | 7,424,000 | 10,891,000 | 14,312,000 |
| Interest expense | 1,076,000 | 2,027,000 | 2,900,000 | 3,705,000 |
| Net interest income | 2,740,000 | 5,397,000 | 7,991,000 | 10,607,000 |
| Noninterest income | 17,000 | 45,000 | 107,000 | 191,000 |
| Noninterest expense | 2,549,000 | 5,153,000 | 7,567,000 | 10,341,000 |
| Provision for loan losses | 153,000 | 350,000 | 1,285,000 | 2,717,000 |
| Pretax income | 93,000 | -20,000 | -713,000 | -2,219,000 |
| Income tax | 31,000 | 0 | 0 | -747,000 |
| Net income | 62,000 | -20,000 | -713,000 | -1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,378,000 | 63,296,000 | 62,603,000 | 61,840,000 |
| Total capital | 64,734,000 | 64,615,000 | 64,174,000 | 63,578,000 |
| Risk-weighted assets | 175,368,000 | 174,669,000 | 172,339,000 | 172,123,000 |