Call reports 2006
COMMUNITY SAVINGS BANK — 2006
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 230,003,000 | 240,819,000 | 250,507,000 | 259,628,000 |
| Total loans | 167,188,000 | 174,380,000 | 180,534,000 | 186,900,000 |
| Allowance for loan losses | 2,013,000 | 2,024,000 | 2,066,000 | 2,221,000 |
| Securities available for sale | 51,076,000 | 52,876,000 | 55,950,000 | 56,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,531,000 | 191,796,000 | 201,838,000 | 209,083,000 |
| Interest-bearing deposits | 168,203,000 | 172,912,000 | 184,172,000 | 188,574,000 |
| Noninterest-bearing deposits | 17,328,000 | 18,884,000 | 17,666,000 | 20,509,000 |
| Equity capital | 21,810,000 | 21,729,000 | 22,649,000 | 22,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,374,000 | 7,098,000 | 11,018,000 | 15,139,000 |
| Interest expense | 1,558,000 | 3,385,000 | 5,472,000 | 7,695,000 |
| Net interest income | 1,816,000 | 3,713,000 | 5,546,000 | 7,444,000 |
| Noninterest income | 264,000 | 572,000 | 836,000 | 1,169,000 |
| Noninterest expense | 1,267,000 | 2,817,000 | 4,191,000 | 5,894,000 |
| Provision for loan losses | 26,000 | 56,000 | 86,000 | 496,000 |
| Pretax income | 797,000 | 1,424,000 | 2,119,000 | 2,241,000 |
| Income tax | 40,000 | 71,000 | 106,000 | 120,000 |
| Net income | 757,000 | 1,353,000 | 2,013,000 | 2,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,679,000 | 22,975,000 | 23,309,000 | 23,092,000 |
| Total capital | 24,692,000 | 24,999,000 | 25,376,000 | 25,313,000 |
| Risk-weighted assets | 183,402,000 | 198,448,000 | 198,441,000 | 207,568,000 |