Call reports 2013
COMMUNITY FINANCIAL SERVICES BANK — 2013
What COMMUNITY FINANCIAL SERVICES BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 603,563,000 | 610,851,000 | 612,716,000 | 640,061,000 |
| Total loans | 491,918,000 | 496,127,000 | 502,184,000 | 534,903,000 |
| Allowance for loan losses | 7,610,000 | 8,149,000 | 8,631,000 | 8,595,000 |
| Securities available for sale | 53,975,000 | 50,367,000 | 50,054,000 | 48,302,000 |
| Securities held to maturity | 1,132,000 | 1,132,000 | 1,132,000 | 1,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 527,035,000 | 534,199,000 | 536,047,000 | 543,215,000 |
| Interest-bearing deposits | 507,795,000 | 517,604,000 | 513,383,000 | 525,245,000 |
| Noninterest-bearing deposits | 19,240,000 | 16,595,000 | 22,664,000 | 17,970,000 |
| Equity capital | 57,411,000 | 57,551,000 | 58,099,000 | 58,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,013,000 | 14,132,000 | 21,319,000 | 28,649,000 |
| Interest expense | 1,364,000 | 2,649,000 | 3,897,000 | 5,162,000 |
| Net interest income | 5,649,000 | 11,483,000 | 17,422,000 | 23,487,000 |
| Noninterest income | 1,292,000 | 2,708,000 | 3,934,000 | 5,191,000 |
| Noninterest expense | 4,777,000 | 9,694,000 | 14,322,000 | 19,545,000 |
| Provision for loan losses | 542,000 | 1,083,000 | 1,625,000 | 1,986,000 |
| Pretax income | 1,622,000 | 3,414,000 | 5,409,000 | 7,147,000 |
| Income tax | 484,000 | 1,020,000 | 1,624,000 | 2,117,000 |
| Net income | 1,138,000 | 2,394,000 | 3,785,000 | 5,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,467,000 | 57,272,000 | 58,212,000 | 59,010,000 |
| Total capital | 62,777,000 | 63,648,000 | 64,697,000 | 65,863,000 |
| Risk-weighted assets | 503,524,000 | 508,315,000 | 516,628,000 | 546,537,000 |
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