Call reports 2015
COMMUNITY SAVINGS BANK — 2015
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 408,826,000 | 410,878,000 | 406,853,000 | 411,283,000 |
| Total loans | 206,752,000 | 205,831,000 | 208,436,000 | 208,342,000 |
| Allowance for loan losses | 2,309,000 | 2,242,000 | 2,132,000 | 1,790,000 |
| Securities available for sale | 154,885,000 | 153,768,000 | 139,248,000 | 143,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,039,000 | 348,507,000 | 343,908,000 | 348,655,000 |
| Interest-bearing deposits | 342,199,000 | 343,009,000 | 340,128,000 | 343,313,000 |
| Noninterest-bearing deposits | 3,840,000 | 5,498,000 | 3,780,000 | 5,342,000 |
| Equity capital | 61,098,000 | 60,701,000 | 61,183,000 | 60,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,965,000 | 5,922,000 | 8,824,000 | 11,785,000 |
| Interest expense | 548,000 | 1,085,000 | 1,623,000 | 2,173,000 |
| Net interest income | 2,417,000 | 4,837,000 | 7,201,000 | 9,612,000 |
| Noninterest income | 95,000 | 170,000 | 214,000 | 293,000 |
| Noninterest expense | 2,440,000 | 5,008,000 | 7,300,000 | 10,036,000 |
| Provision for loan losses | -269,000 | -250,000 | -413,000 | -874,000 |
| Pretax income | 446,000 | 377,000 | 750,000 | 966,000 |
| Income tax | 152,000 | 114,000 | 228,000 | 289,000 |
| Net income | 294,000 | 263,000 | 522,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,533,000 | 60,323,000 | 60,643,000 | 60,871,000 |
| Total capital | 62,674,000 | 62,442,000 | 62,752,000 | 62,661,000 |
| Risk-weighted assets | 170,618,000 | 169,401,000 | 168,419,000 | 162,965,000 |