Call reports 2009
COMMUNITY FINANCIAL SERVICES BANK — 2009
What COMMUNITY FINANCIAL SERVICES BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 453,083,000 | 454,341,000 | 452,424,000 | 464,491,000 |
| Total loans | 310,396,000 | 316,831,000 | 322,376,000 | 344,696,000 |
| Allowance for loan losses | 4,979,000 | 5,289,000 | 5,603,000 | 5,760,000 |
| Securities available for sale | 100,204,000 | 104,540,000 | 101,142,000 | 88,983,000 |
| Securities held to maturity | 1,214,000 | 634,000 | 634,000 | 634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,243,000 | 347,961,000 | 343,157,000 | 360,858,000 |
| Interest-bearing deposits | 326,150,000 | 328,482,000 | 325,498,000 | 343,766,000 |
| Noninterest-bearing deposits | 21,093,000 | 19,479,000 | 17,658,000 | 17,092,000 |
| Equity capital | 44,006,000 | 43,883,000 | 45,524,000 | 45,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,084,000 | 12,283,000 | 18,545,000 | 24,921,000 |
| Interest expense | 2,092,000 | 4,091,000 | 5,875,000 | 7,579,000 |
| Net interest income | 3,992,000 | 8,192,000 | 12,670,000 | 17,342,000 |
| Noninterest income | 1,000,000 | 2,275,000 | 3,450,000 | 4,569,000 |
| Noninterest expense | 3,266,000 | 6,722,000 | 10,130,000 | 13,495,000 |
| Provision for loan losses | 397,000 | 795,000 | 1,070,000 | 1,284,000 |
| Pretax income | 1,329,000 | 2,868,000 | 4,838,000 | 7,050,000 |
| Income tax | 364,000 | 802,000 | 1,386,000 | 2,035,000 |
| Net income | 965,000 | 2,066,000 | 3,452,000 | 5,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,510,000 | 42,931,000 | 43,675,000 | 44,535,000 |
| Total capital | 46,670,000 | 47,137,000 | 47,945,000 | 49,069,000 |
| Risk-weighted assets | 331,970,000 | 335,430,000 | 339,885,000 | 361,500,000 |
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