Call reports 2015
COMMUNITY SAVINGS BANK — 2015
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 320,328,000 | 325,257,000 | 327,821,000 | 385,750,000 |
| Total loans | 241,849,000 | 247,150,000 | 255,160,000 | 295,613,000 |
| Allowance for loan losses | 3,093,000 | 2,594,000 | 2,892,000 | 2,635,000 |
| Securities available for sale | 58,668,000 | 58,634,000 | 52,248,000 | 53,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,914,000 | 261,770,000 | 265,405,000 | 313,739,000 |
| Interest-bearing deposits | 224,286,000 | 225,262,000 | 230,390,000 | 262,581,000 |
| Noninterest-bearing deposits | 31,628,000 | 36,508,000 | 35,015,000 | 51,158,000 |
| Equity capital | 36,739,000 | 36,752,000 | 36,526,000 | 40,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,336,000 | 6,706,000 | 10,154,000 | 14,093,000 |
| Interest expense | 489,000 | 974,000 | 1,477,000 | 2,042,000 |
| Net interest income | 2,847,000 | 5,732,000 | 8,677,000 | 12,051,000 |
| Noninterest income | 437,000 | 871,000 | 1,351,000 | 1,814,000 |
| Noninterest expense | 2,220,000 | 4,418,000 | 6,711,000 | 9,440,000 |
| Provision for loan losses | 202,000 | 506,000 | 810,000 | 1,421,000 |
| Pretax income | 875,000 | 1,686,000 | 2,522,000 | 3,017,000 |
| Income tax | 41,000 | 85,000 | 126,000 | 102,000 |
| Net income | 834,000 | 1,601,000 | 2,396,000 | 2,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,970,000 | 36,487,000 | 36,132,000 | 37,490,000 |
| Total capital | 39,063,000 | 39,081,000 | 39,024,000 | 40,125,000 |
| Risk-weighted assets | 255,239,000 | 260,722,000 | 267,614,000 | 305,932,000 |