Call reports 2005
COMMUNITY SAVINGS BANK — 2005
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 154,425,000 | 213,568,000 | 216,080,000 | 223,122,000 |
| Total loans | 112,324,000 | 152,780,000 | 155,038,000 | 158,092,000 |
| Allowance for loan losses | 1,360,000 | 1,934,000 | 1,929,000 | 1,974,000 |
| Securities available for sale | 34,134,000 | 48,301,000 | 47,557,000 | 50,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,100,000 | 171,596,000 | 176,223,000 | 180,692,000 |
| Interest-bearing deposits | 110,519,000 | 156,119,000 | 159,722,000 | 160,620,000 |
| Noninterest-bearing deposits | 10,581,000 | 15,477,000 | 16,501,000 | 20,072,000 |
| Equity capital | 14,727,000 | 21,401,000 | 21,554,000 | 21,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,149,000 | 6,099,000 | 9,191,000 | 12,403,000 |
| Interest expense | 875,000 | 2,614,000 | 3,982,000 | 5,455,000 |
| Net interest income | 1,274,000 | 3,485,000 | 5,209,000 | 6,948,000 |
| Noninterest income | 275,000 | 616,000 | 966,000 | 1,334,000 |
| Noninterest expense | 897,000 | 2,837,000 | 4,115,000 | 5,672,000 |
| Provision for loan losses | 45,000 | 470,000 | 500,000 | 500,000 |
| Pretax income | 529,000 | 705,000 | 1,248,000 | 1,733,000 |
| Income tax | 26,000 | 62,000 | 89,000 | 115,000 |
| Net income | 503,000 | 643,000 | 1,159,000 | 1,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,443,000 | 21,846,000 | 22,062,000 | 22,221,000 |
| Total capital | 16,803,000 | 23,780,000 | 23,991,000 | 24,195,000 |
| Risk-weighted assets | 123,718,000 | 168,910,000 | 171,012,000 | 175,291,000 |
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