Call reports 2014
COMMUNITY SAVINGS BANK — 2014
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 417,311,000 | 414,824,000 | 411,828,000 | 412,055,000 |
| Total loans | 216,541,000 | 212,853,000 | 211,126,000 | 207,874,000 |
| Allowance for loan losses | 1,992,000 | 2,182,000 | 2,157,000 | 2,405,000 |
| Securities available for sale | 150,353,000 | 144,468,000 | 145,083,000 | 152,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,317,000 | 352,690,000 | 349,525,000 | 349,340,000 |
| Interest-bearing deposits | 351,043,000 | 347,024,000 | 345,786,000 | 343,918,000 |
| Noninterest-bearing deposits | 4,274,000 | 5,666,000 | 3,739,000 | 5,422,000 |
| Equity capital | 60,140,000 | 60,250,000 | 60,437,000 | 60,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,078,000 | 6,173,000 | 9,185,000 | 12,189,000 |
| Interest expense | 620,000 | 1,224,000 | 1,820,000 | 2,384,000 |
| Net interest income | 2,458,000 | 4,949,000 | 7,365,000 | 9,805,000 |
| Noninterest income | 67,000 | 121,000 | 276,000 | 259,000 |
| Noninterest expense | 2,446,000 | 5,044,000 | 7,448,000 | 10,036,000 |
| Provision for loan losses | 51,000 | 341,000 | 382,000 | 725,000 |
| Pretax income | 55,000 | -243,000 | -100,000 | -571,000 |
| Income tax | 15,000 | -83,000 | -34,000 | -182,000 |
| Net income | 40,000 | -160,000 | -66,000 | -389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,789,000 | 60,589,000 | 60,219,000 | 59,404,000 |
| Total capital | 62,784,000 | 62,529,000 | 62,288,000 | 61,502,000 |
| Risk-weighted assets | 166,342,000 | 154,650,000 | 165,225,000 | 166,855,000 |