Call reports 2004
COMMUNITY SAVINGS BANK — 2004
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 145,762,000 | 146,308,000 | 150,276,000 | 153,528,000 |
| Total loans | 102,679,000 | 103,447,000 | 106,699,000 | 107,738,000 |
| Allowance for loan losses | 1,191,000 | 1,207,000 | 1,258,000 | 1,315,000 |
| Securities available for sale | 35,126,000 | 34,611,000 | 35,093,000 | 35,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,552,000 | 114,995,000 | 113,824,000 | 121,164,000 |
| Interest-bearing deposits | 107,559,000 | 104,793,000 | 103,310,000 | 107,644,000 |
| Noninterest-bearing deposits | 9,993,000 | 10,202,000 | 10,514,000 | 13,520,000 |
| Equity capital | 12,001,000 | 14,453,000 | 15,157,000 | 14,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,980,000 | 4,041,000 | 6,120,000 | 8,252,000 |
| Interest expense | 888,000 | 1,725,000 | 2,546,000 | 3,396,000 |
| Net interest income | 1,092,000 | 2,316,000 | 3,574,000 | 4,856,000 |
| Noninterest income | 268,000 | 580,000 | 885,000 | 1,135,000 |
| Noninterest expense | 873,000 | 1,703,000 | 2,607,000 | 3,533,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 414,000 | 1,049,000 | 1,638,000 | 2,171,000 |
| Income tax | 21,000 | 52,000 | 82,000 | 109,000 |
| Net income | 393,000 | 997,000 | 1,556,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,475,000 | 14,741,000 | 15,012,000 | 15,230,000 |
| Total capital | 12,666,000 | 15,948,000 | 16,270,000 | 16,545,000 |
| Risk-weighted assets | 112,243,000 | 113,124,000 | 117,051,000 | 116,619,000 |