Call reports 2003
COMMUNITY SAVINGS BANK — 2003
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 140,999,000 | 141,334,000 | 143,059,000 | 140,124,000 |
| Total loans | 96,874,000 | 97,823,000 | 99,563,000 | 98,523,000 |
| Allowance for loan losses | 1,120,000 | 1,150,000 | 1,149,000 | 1,148,000 |
| Securities available for sale | 32,618,000 | 32,354,000 | 34,869,000 | 30,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,092,000 | 117,347,000 | 116,947,000 | 116,757,000 |
| Interest-bearing deposits | 106,832,000 | 106,820,000 | 107,214,000 | 105,148,000 |
| Noninterest-bearing deposits | 10,260,000 | 10,527,000 | 9,733,000 | 11,609,000 |
| Equity capital | 11,625,000 | 11,688,000 | 11,391,000 | 11,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,070,000 | 4,106,000 | 6,179,000 | 8,171,000 |
| Interest expense | 983,000 | 1,967,000 | 2,922,000 | 3,827,000 |
| Net interest income | 1,087,000 | 2,139,000 | 3,257,000 | 4,344,000 |
| Noninterest income | 365,000 | 633,000 | 931,000 | 1,207,000 |
| Noninterest expense | 834,000 | 1,657,000 | 2,475,000 | 3,338,000 |
| Provision for loan losses | 150,000 | 225,000 | 300,000 | 350,000 |
| Pretax income | 506,000 | 972,000 | 1,496,000 | 2,046,000 |
| Income tax | 25,000 | 49,000 | 75,000 | 102,000 |
| Net income | 481,000 | 923,000 | 1,421,000 | 1,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,848,000 | 10,651,000 | 10,836,000 | 11,371,000 |
| Total capital | 11,968,000 | 11,801,000 | 11,985,000 | 12,519,000 |
| Risk-weighted assets | 103,641,000 | 105,730,000 | 106,861,000 | 106,019,000 |