Call reports 2007
COMMUNITY SAVINGS BANK — 2007
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 264,789,000 | 269,114,000 | 272,739,000 | 274,654,000 |
| Total loans | 195,162,000 | 198,714,000 | 201,991,000 | 200,641,000 |
| Allowance for loan losses | 2,285,000 | 2,246,000 | 2,293,000 | 2,168,000 |
| Securities available for sale | 54,752,000 | 53,875,000 | 52,969,000 | 52,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,694,000 | 214,974,000 | 212,710,000 | 214,649,000 |
| Interest-bearing deposits | 192,103,000 | 196,509,000 | 194,147,000 | 191,636,000 |
| Noninterest-bearing deposits | 17,591,000 | 18,465,000 | 18,563,000 | 23,013,000 |
| Equity capital | 22,769,000 | 22,542,000 | 23,511,000 | 23,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,153,000 | 8,544,000 | 13,047,000 | 17,578,000 |
| Interest expense | 2,263,000 | 4,654,000 | 7,106,000 | 9,536,000 |
| Net interest income | 1,890,000 | 3,890,000 | 5,941,000 | 8,042,000 |
| Noninterest income | 309,000 | 602,000 | 857,000 | 1,066,000 |
| Noninterest expense | 1,543,000 | 3,186,000 | 4,715,000 | 6,545,000 |
| Provision for loan losses | 90,000 | 180,000 | 241,000 | 241,000 |
| Pretax income | 575,000 | 1,139,000 | 1,857,000 | 2,349,000 |
| Income tax | 29,000 | 57,000 | 93,000 | 118,000 |
| Net income | 546,000 | 1,082,000 | 1,764,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,313,000 | 23,514,000 | 23,871,000 | 24,013,000 |
| Total capital | 25,598,000 | 25,760,000 | 26,164,000 | 26,181,000 |
| Risk-weighted assets | 216,750,000 | 221,142,000 | 226,108,000 | 223,648,000 |