Call reports 2012
COMMUNITY SAVINGS BANK — 2012
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 322,823,000 | 326,423,000 | 319,874,000 | 337,930,000 |
| Total loans | 230,336,000 | 229,068,000 | 226,693,000 | 218,566,000 |
| Allowance for loan losses | 3,108,000 | 3,451,000 | 3,488,000 | 3,476,000 |
| Securities available for sale | 67,909,000 | 67,670,000 | 68,594,000 | 78,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,037,000 | 264,189,000 | 260,843,000 | 279,118,000 |
| Interest-bearing deposits | 233,289,000 | 233,731,000 | 229,442,000 | 238,815,000 |
| Noninterest-bearing deposits | 28,748,000 | 30,458,000 | 31,401,000 | 40,303,000 |
| Equity capital | 33,023,000 | 34,083,000 | 35,179,000 | 34,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,892,000 | 7,766,000 | 11,557,000 | 15,166,000 |
| Interest expense | 933,000 | 1,831,000 | 2,687,000 | 3,482,000 |
| Net interest income | 2,959,000 | 5,935,000 | 8,870,000 | 11,684,000 |
| Noninterest income | 645,000 | 1,064,000 | 1,488,000 | 1,953,000 |
| Noninterest expense | 1,913,000 | 3,845,000 | 5,809,000 | 7,814,000 |
| Provision for loan losses | 225,000 | 451,000 | 926,000 | 1,151,000 |
| Pretax income | 1,534,000 | 2,878,000 | 3,958,000 | 4,675,000 |
| Income tax | 75,000 | 137,000 | 190,000 | 231,000 |
| Net income | 1,459,000 | 2,741,000 | 3,768,000 | 4,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,313,000 | 31,996,000 | 33,023,000 | 32,199,000 |
| Total capital | 34,421,000 | 35,221,000 | 36,218,000 | 35,347,000 |
| Risk-weighted assets | 259,844,000 | 257,812,000 | 255,337,000 | 251,511,000 |