Call reports 2007
COMMUNITY FINANCIAL SERVICES BANK — 2007
What COMMUNITY FINANCIAL SERVICES BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 357,176,000 | 363,474,000 | 369,901,000 | 383,311,000 |
| Total loans | 226,616,000 | 236,422,000 | 241,068,000 | 256,243,000 |
| Allowance for loan losses | 4,237,000 | 4,254,000 | 4,230,000 | 4,263,000 |
| Securities available for sale | 93,723,000 | 97,315,000 | 99,621,000 | 97,674,000 |
| Securities held to maturity | 1,480,000 | 1,480,000 | 1,480,000 | 1,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,549,000 | 300,300,000 | 297,536,000 | 299,759,000 |
| Interest-bearing deposits | 280,882,000 | 278,612,000 | 278,556,000 | 280,046,000 |
| Noninterest-bearing deposits | 20,667,000 | 21,688,000 | 18,980,000 | 19,713,000 |
| Equity capital | 37,763,000 | 37,648,000 | 38,854,000 | 40,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,542,000 | 11,449,000 | 17,507,000 | 23,664,000 |
| Interest expense | 2,170,000 | 4,491,000 | 6,993,000 | 9,558,000 |
| Net interest income | 3,372,000 | 6,958,000 | 10,514,000 | 14,106,000 |
| Noninterest income | 820,000 | 1,666,000 | 2,472,000 | 3,386,000 |
| Noninterest expense | 3,052,000 | 6,009,000 | 9,149,000 | 11,825,000 |
| Provision for loan losses | 74,000 | 149,000 | 223,000 | 298,000 |
| Pretax income | 1,066,000 | 2,466,000 | 3,614,000 | 5,369,000 |
| Income tax | 293,000 | 704,000 | 1,025,000 | 1,482,000 |
| Net income | 773,000 | 1,762,000 | 2,589,000 | 3,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,407,000 | 38,931,000 | 39,316,000 | 40,088,000 |
| Total capital | 41,513,000 | 42,193,000 | 42,649,000 | 43,597,000 |
| Risk-weighted assets | 247,351,000 | 259,977,000 | 265,732,000 | 279,958,000 |
Machine access — free, no API key
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