Call reports 2013
COMMUNITY SAVINGS BANK — 2013
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 414,123,000 | 416,374,000 | 416,274,000 | 417,140,000 |
| Total loans | 219,137,000 | 217,356,000 | 218,088,000 | 217,466,000 |
| Allowance for loan losses | 1,770,000 | 1,810,000 | 1,786,000 | 1,954,000 |
| Securities available for sale | 147,668,000 | 155,715,000 | 150,182,000 | 147,718,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,853,000 | 353,524,000 | 353,668,000 | 354,938,000 |
| Interest-bearing deposits | 346,132,000 | 348,346,000 | 350,025,000 | 349,259,000 |
| Noninterest-bearing deposits | 3,721,000 | 5,178,000 | 3,643,000 | 5,679,000 |
| Equity capital | 62,276,000 | 60,703,000 | 60,281,000 | 59,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,243,000 | 6,388,000 | 9,541,000 | 12,669,000 |
| Interest expense | 706,000 | 1,368,000 | 2,020,000 | 2,673,000 |
| Net interest income | 2,537,000 | 5,020,000 | 7,521,000 | 9,996,000 |
| Noninterest income | 93,000 | 25,000 | 125,000 | 195,000 |
| Noninterest expense | 2,579,000 | 5,363,000 | 8,069,000 | 10,794,000 |
| Provision for loan losses | 347,000 | 536,000 | 596,000 | 1,046,000 |
| Pretax income | -292,000 | -850,000 | -1,015,000 | -1,645,000 |
| Income tax | -100,000 | -288,000 | -345,000 | -549,000 |
| Net income | -192,000 | -562,000 | -670,000 | -1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,645,000 | 61,272,000 | 61,175,000 | 60,749,000 |
| Total capital | 63,415,000 | 63,082,000 | 62,970,000 | 62,696,000 |
| Risk-weighted assets | 169,134,000 | 170,660,000 | 169,278,000 | 155,393,000 |