Call reports 2015
COMMUNITY FINANCIAL SERVICES BANK — 2015
What COMMUNITY FINANCIAL SERVICES BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 736,228,000 | 766,817,000 | 783,082,000 | 825,331,000 |
| Total loans | 625,240,000 | 643,154,000 | 663,003,000 | 691,487,000 |
| Allowance for loan losses | 7,263,000 | 7,807,000 | 8,047,000 | 7,981,000 |
| Securities available for sale | 57,350,000 | 65,154,000 | 64,914,000 | 76,026,000 |
| Securities held to maturity | 1,481,000 | 1,481,000 | 1,481,000 | 1,481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 656,356,000 | 676,619,000 | 694,297,000 | 723,189,000 |
| Interest-bearing deposits | 636,237,000 | 657,017,000 | 673,172,000 | 694,606,000 |
| Noninterest-bearing deposits | 20,119,000 | 19,602,000 | 21,125,000 | 28,583,000 |
| Equity capital | 68,213,000 | 69,326,000 | 73,288,000 | 78,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,324,000 | 16,974,000 | 25,870,000 | 35,052,000 |
| Interest expense | 1,398,000 | 2,869,000 | 4,365,000 | 5,928,000 |
| Net interest income | 6,926,000 | 14,105,000 | 21,505,000 | 29,124,000 |
| Noninterest income | 1,433,000 | 3,038,000 | 4,646,000 | 6,075,000 |
| Noninterest expense | 5,377,000 | 11,106,000 | 16,440,000 | 21,842,000 |
| Provision for loan losses | 675,000 | 1,350,000 | 1,875,000 | 2,225,000 |
| Pretax income | 2,307,000 | 4,687,000 | 7,836,000 | 11,132,000 |
| Income tax | 704,000 | 1,433,000 | 2,460,000 | 3,477,000 |
| Net income | 1,603,000 | 3,254,000 | 5,376,000 | 7,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,423,000 | 69,074,000 | 72,696,000 | 78,475,000 |
| Total capital | 74,686,000 | 76,881,000 | 80,743,000 | 86,456,000 |
| Risk-weighted assets | 645,304,000 | 674,395,000 | 687,535,000 | 716,980,000 |