Call reports 2010
COMMUNITY SAVINGS BANK — 2010
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 291,490,000 | 293,857,000 | 296,069,000 | 297,442,000 |
| Total loans | 212,326,000 | 212,767,000 | 213,671,000 | 216,331,000 |
| Allowance for loan losses | 2,822,000 | 2,884,000 | 2,679,000 | 2,477,000 |
| Securities available for sale | 60,704,000 | 61,234,000 | 59,358,000 | 49,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,350,000 | 237,339,000 | 238,292,000 | 239,996,000 |
| Interest-bearing deposits | 216,894,000 | 215,231,000 | 216,539,000 | 213,118,000 |
| Noninterest-bearing deposits | 20,456,000 | 22,108,000 | 21,753,000 | 26,878,000 |
| Equity capital | 27,280,000 | 28,089,000 | 29,447,000 | 28,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,964,000 | 7,955,000 | 11,975,000 | 15,848,000 |
| Interest expense | 1,435,000 | 2,844,000 | 4,258,000 | 5,624,000 |
| Net interest income | 2,529,000 | 5,111,000 | 7,717,000 | 10,224,000 |
| Noninterest income | 333,000 | 546,000 | 917,000 | 1,453,000 |
| Noninterest expense | 1,741,000 | 3,742,000 | 5,606,000 | 8,364,000 |
| Provision for loan losses | 225,000 | 301,000 | 526,000 | 752,000 |
| Pretax income | 916,000 | 1,667,000 | 2,555,000 | 2,982,000 |
| Income tax | 46,000 | 83,000 | 128,000 | 159,000 |
| Net income | 870,000 | 1,584,000 | 2,427,000 | 2,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,101,000 | 27,366,000 | 27,759,000 | 28,154,000 |
| Total capital | 29,923,000 | 30,250,000 | 30,438,000 | 30,631,000 |
| Risk-weighted assets | 240,677,000 | 238,719,000 | 240,855,000 | 245,944,000 |