Call reports 2013
COMMUNITY SAVINGS BANK — 2013
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 323,291,000 | 314,655,000 | 311,864,000 | 319,437,000 |
| Total loans | 209,068,000 | 204,825,000 | 211,259,000 | 222,959,000 |
| Allowance for loan losses | 3,188,000 | 2,340,000 | 2,297,000 | 2,474,000 |
| Securities available for sale | 84,059,000 | 71,002,000 | 79,522,000 | 75,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,563,000 | 261,822,000 | 258,828,000 | 262,962,000 |
| Interest-bearing deposits | 230,295,000 | 228,604,000 | 227,640,000 | 226,491,000 |
| Noninterest-bearing deposits | 36,268,000 | 33,218,000 | 31,188,000 | 36,471,000 |
| Equity capital | 34,769,000 | 32,278,000 | 32,263,000 | 32,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,433,000 | 6,645,000 | 9,969,000 | 13,301,000 |
| Interest expense | 751,000 | 1,476,000 | 2,190,000 | 2,890,000 |
| Net interest income | 2,682,000 | 5,169,000 | 7,779,000 | 10,411,000 |
| Noninterest income | 439,000 | 835,000 | 1,214,000 | 1,594,000 |
| Noninterest expense | 2,020,000 | 4,140,000 | 6,160,000 | 8,135,000 |
| Provision for loan losses | 75,000 | 451,000 | 532,000 | 1,112,000 |
| Pretax income | 1,061,000 | 1,622,000 | 2,510,000 | 2,967,000 |
| Income tax | 51,000 | 78,000 | 122,000 | 150,000 |
| Net income | 1,010,000 | 1,544,000 | 2,388,000 | 2,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,209,000 | 32,943,000 | 32,987,000 | 33,416,000 |
| Total capital | 36,220,000 | 35,283,000 | 35,284,000 | 35,890,000 |
| Risk-weighted assets | 240,711,000 | 235,500,000 | 244,019,000 | 253,213,000 |