Call reports 2006
COMMUNITY FINANCIAL SERVICES BANK — 2006
What COMMUNITY FINANCIAL SERVICES BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 330,422,000 | 329,061,000 | 333,605,000 | 350,099,000 |
| Total loans | 207,778,000 | 209,510,000 | 213,861,000 | 222,631,000 |
| Allowance for loan losses | 3,492,000 | 3,546,000 | 4,508,000 | 4,247,000 |
| Securities available for sale | 89,832,000 | 91,360,000 | 89,086,000 | 98,346,000 |
| Securities held to maturity | 1,494,000 | 1,494,000 | 1,494,000 | 1,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,668,000 | 279,396,000 | 282,177,000 | 293,574,000 |
| Interest-bearing deposits | 261,377,000 | 257,877,000 | 265,665,000 | 273,181,000 |
| Noninterest-bearing deposits | 20,291,000 | 21,519,000 | 16,512,000 | 20,393,000 |
| Equity capital | 35,221,000 | 34,865,000 | 36,366,000 | 37,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,698,000 | 9,728,000 | 14,970,000 | 20,431,000 |
| Interest expense | 1,538,000 | 3,252,000 | 5,123,000 | 7,146,000 |
| Net interest income | 3,160,000 | 6,476,000 | 9,847,000 | 13,285,000 |
| Noninterest income | 767,000 | 1,538,000 | 2,372,000 | 3,213,000 |
| Noninterest expense | 3,135,000 | 6,032,000 | 9,095,000 | 12,083,000 |
| Provision for loan losses | 80,000 | 160,000 | 168,000 | 30,000 |
| Pretax income | 712,000 | 1,822,000 | 2,954,000 | 4,383,000 |
| Income tax | 182,000 | 496,000 | 818,000 | 1,207,000 |
| Net income | 530,000 | 1,326,000 | 2,136,000 | 3,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,489,000 | 36,756,000 | 37,313,000 | 38,096,000 |
| Total capital | 39,338,000 | 39,610,000 | 40,240,000 | 41,148,000 |
| Risk-weighted assets | 227,290,000 | 227,593,000 | 232,542,000 | 242,968,000 |
Machine access — free, no API key
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