Call reports 2016
COMMUNITY SAVINGS BANK — 2016
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 406,280,000 | 406,502,000 | 401,970,000 | 404,729,000 |
| Total loans | 208,868,000 | 209,823,000 | 210,400,000 | 209,391,000 |
| Allowance for loan losses | 1,580,000 | 1,239,000 | 1,254,000 | 1,355,000 |
| Securities available for sale | 149,172,000 | 140,040,000 | 137,494,000 | 139,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,410,000 | 343,019,000 | 338,317,000 | 341,858,000 |
| Interest-bearing deposits | 338,602,000 | 338,097,000 | 334,948,000 | 336,057,000 |
| Noninterest-bearing deposits | 4,808,000 | 4,922,000 | 3,369,000 | 5,801,000 |
| Equity capital | 61,493,000 | 61,910,000 | 62,092,000 | 61,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,960,000 | 5,989,000 | 8,912,000 | 11,855,000 |
| Interest expense | 512,000 | 1,024,000 | 1,528,000 | 2,032,000 |
| Net interest income | 2,448,000 | 4,965,000 | 7,384,000 | 9,823,000 |
| Noninterest income | 66,000 | 163,000 | 228,000 | 294,000 |
| Noninterest expense | 2,625,000 | 5,152,000 | 7,669,000 | 9,945,000 |
| Provision for loan losses | -213,000 | -571,000 | -608,000 | -924,000 |
| Pretax income | 163,000 | 782,000 | 798,000 | 1,343,000 |
| Income tax | 43,000 | 241,000 | 234,000 | 423,000 |
| Net income | 120,000 | 541,000 | 564,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,855,000 | 61,306,000 | 61,336,000 | 61,770,000 |
| Total capital | 62,435,000 | 62,545,000 | 62,590,000 | 63,125,000 |
| Risk-weighted assets | 163,372,000 | 161,968,000 | 162,333,000 | 160,663,000 |