Call reports 2012
COMMUNITY FINANCIAL SERVICES BANK — 2012
What COMMUNITY FINANCIAL SERVICES BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 566,276,000 | 567,359,000 | 580,023,000 | 610,425,000 |
| Total loans | 417,956,000 | 440,801,000 | 464,403,000 | 474,255,000 |
| Allowance for loan losses | 7,195,000 | 7,366,000 | 7,541,000 | 7,323,000 |
| Securities available for sale | 67,852,000 | 61,733,000 | 58,075,000 | 53,448,000 |
| Securities held to maturity | 1,130,000 | 1,130,000 | 1,131,000 | 1,131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 479,423,000 | 480,278,000 | 479,037,000 | 524,503,000 |
| Interest-bearing deposits | 463,137,000 | 463,191,000 | 463,566,000 | 503,371,000 |
| Noninterest-bearing deposits | 16,286,000 | 17,087,000 | 15,471,000 | 21,132,000 |
| Equity capital | 55,294,000 | 56,106,000 | 57,587,000 | 56,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,707,000 | 13,473,000 | 20,493,000 | 27,495,000 |
| Interest expense | 1,748,000 | 3,444,000 | 5,034,000 | 6,642,000 |
| Net interest income | 4,959,000 | 10,029,000 | 15,459,000 | 20,853,000 |
| Noninterest income | 1,186,000 | 2,533,000 | 4,255,000 | 5,325,000 |
| Noninterest expense | 3,821,000 | 7,966,000 | 12,019,000 | 17,908,000 |
| Provision for loan losses | 317,000 | 633,000 | 950,000 | 1,266,000 |
| Pretax income | 2,007,000 | 3,963,000 | 6,745,000 | 7,004,000 |
| Income tax | 609,000 | 1,209,000 | 2,088,000 | 2,083,000 |
| Net income | 1,398,000 | 2,754,000 | 4,657,000 | 4,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,027,000 | 54,880,000 | 56,278,000 | 55,781,000 |
| Total capital | 59,558,000 | 60,571,000 | 62,258,000 | 61,889,000 |
| Risk-weighted assets | 440,847,000 | 453,582,000 | 476,864,000 | 487,442,000 |