Call reports 2008
COMMUNITY SAVINGS BANK — 2008
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 276,615,000 | 274,999,000 | 283,236,000 | 283,001,000 |
| Total loans | 198,316,000 | 200,156,000 | 202,255,000 | 203,855,000 |
| Allowance for loan losses | 2,198,000 | 2,136,000 | 2,117,000 | 2,207,000 |
| Securities available for sale | 56,407,000 | 55,882,000 | 55,758,000 | 59,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,621,000 | 217,021,000 | 227,308,000 | 224,172,000 |
| Interest-bearing deposits | 198,484,000 | 195,715,000 | 203,410,000 | 197,327,000 |
| Noninterest-bearing deposits | 21,137,000 | 21,306,000 | 23,898,000 | 26,845,000 |
| Equity capital | 25,012,000 | 24,029,000 | 24,571,000 | 24,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,359,000 | 8,608,000 | 12,778,000 | 17,008,000 |
| Interest expense | 2,222,000 | 4,269,000 | 6,260,000 | 8,171,000 |
| Net interest income | 2,137,000 | 4,339,000 | 6,518,000 | 8,837,000 |
| Noninterest income | 293,000 | 617,000 | 1,226,000 | 1,537,000 |
| Noninterest expense | 1,544,000 | 3,238,000 | 4,858,000 | 6,871,000 |
| Provision for loan losses | 77,000 | 280,000 | 355,000 | 781,000 |
| Pretax income | 834,000 | 1,468,000 | 2,570,000 | 2,839,000 |
| Income tax | 42,000 | 80,000 | 129,000 | 143,000 |
| Net income | 792,000 | 1,388,000 | 2,441,000 | 2,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,456,000 | 24,702,000 | 25,404,000 | 25,259,000 |
| Total capital | 26,654,000 | 26,838,000 | 27,521,000 | 27,466,000 |
| Risk-weighted assets | 223,690,000 | 225,586,000 | 227,640,000 | 231,145,000 |