Call reports 2009
COMMUNITY SAVINGS BANK — 2009
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 285,571,000 | 294,060,000 | 297,837,000 | 297,912,000 |
| Total loans | 206,028,000 | 209,395,000 | 211,611,000 | 213,500,000 |
| Allowance for loan losses | 2,481,000 | 2,188,000 | 2,735,000 | 2,807,000 |
| Securities available for sale | 59,813,000 | 64,080,000 | 64,964,000 | 61,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,730,000 | 237,816,000 | 243,391,000 | 242,933,000 |
| Interest-bearing deposits | 206,455,000 | 214,687,000 | 221,102,000 | 215,865,000 |
| Noninterest-bearing deposits | 21,275,000 | 23,129,000 | 22,289,000 | 27,068,000 |
| Equity capital | 24,870,000 | 24,928,000 | 26,689,000 | 26,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,072,000 | 8,192,000 | 12,368,000 | 16,485,000 |
| Interest expense | 1,776,000 | 3,566,000 | 5,275,000 | 6,870,000 |
| Net interest income | 2,296,000 | 4,626,000 | 7,093,000 | 9,615,000 |
| Noninterest income | 459,000 | 864,000 | 1,200,000 | 1,597,000 |
| Noninterest expense | 1,743,000 | 4,038,000 | 5,777,000 | 7,640,000 |
| Provision for loan losses | 335,000 | 489,000 | 1,089,000 | 1,565,000 |
| Pretax income | 772,000 | 1,080,000 | 1,573,000 | 2,177,000 |
| Income tax | 39,000 | 55,000 | 72,000 | 105,000 |
| Net income | 733,000 | 1,025,000 | 1,501,000 | 2,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,567,000 | 25,634,000 | 26,111,000 | 26,681,000 |
| Total capital | 28,048,000 | 27,822,000 | 28,846,000 | 29,488,000 |
| Risk-weighted assets | 236,415,000 | 237,677,000 | 238,256,000 | 240,434,000 |