Call reports 2002
COMMUNITY SAVINGS BANK — 2002
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 131,228,000 | 132,753,000 | 135,360,000 | 139,437,000 |
| Total loans | 94,651,000 | 96,009,000 | 97,610,000 | 97,959,000 |
| Allowance for loan losses | 1,007,000 | 1,083,000 | 1,158,000 | 1,102,000 |
| Securities available for sale | 29,823,000 | 28,912,000 | 28,337,000 | 31,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,912,000 | 105,001,000 | 111,669,000 | 114,117,000 |
| Interest-bearing deposits | 98,693,000 | 95,263,000 | 101,907,000 | 102,929,000 |
| Noninterest-bearing deposits | 8,219,000 | 9,738,000 | 9,762,000 | 11,188,000 |
| Equity capital | 10,439,000 | 10,603,000 | 11,206,000 | 11,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,222,000 | 4,432,000 | 6,605,000 | 8,770,000 |
| Interest expense | 1,116,000 | 2,153,000 | 3,202,000 | 4,239,000 |
| Net interest income | 1,106,000 | 2,279,000 | 3,403,000 | 4,531,000 |
| Noninterest income | 299,000 | 580,000 | 894,000 | 1,314,000 |
| Noninterest expense | 864,000 | 1,643,000 | 2,470,000 | 3,417,000 |
| Provision for loan losses | 149,000 | 243,000 | 359,000 | 644,000 |
| Pretax income | 393,000 | 974,000 | 1,586,000 | 1,934,000 |
| Income tax | 20,000 | 49,000 | 79,000 | 98,000 |
| Net income | 373,000 | 925,000 | 1,507,000 | 1,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,912,000 | 9,840,000 | 10,224,000 | 10,565,000 |
| Total capital | 10,919,000 | 10,923,000 | 11,382,000 | 11,667,000 |
| Risk-weighted assets | 96,855,000 | 98,590,000 | 100,670,000 | 101,757,000 |