Call reports 2016
COMMUNITY SAVINGS BANK — 2016
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 380,037,000 | 417,833,000 | 421,375,000 | 430,978,000 |
| Total loans | 296,173,000 | 321,484,000 | 324,727,000 | 327,332,000 |
| Allowance for loan losses | 2,809,000 | 3,441,000 | 3,041,000 | 3,696,000 |
| Securities available for sale | 56,590,000 | 61,966,000 | 66,813,000 | 71,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,903,000 | 336,989,000 | 333,595,000 | 350,342,000 |
| Interest-bearing deposits | 263,293,000 | 286,277,000 | 283,777,000 | 295,823,000 |
| Noninterest-bearing deposits | 44,610,000 | 50,712,000 | 49,818,000 | 54,519,000 |
| Equity capital | 42,049,000 | 46,150,000 | 46,538,000 | 42,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,864,000 | 8,603,000 | 12,958,000 | 17,389,000 |
| Interest expense | 559,000 | 1,287,000 | 1,958,000 | 2,571,000 |
| Net interest income | 3,305,000 | 7,316,000 | 11,000,000 | 14,818,000 |
| Noninterest income | 502,000 | 1,051,000 | 1,590,000 | 2,201,000 |
| Noninterest expense | 2,669,000 | 6,020,000 | 8,691,000 | 11,671,000 |
| Provision for loan losses | 155,000 | 823,000 | 1,480,000 | 3,145,000 |
| Pretax income | 989,000 | 1,608,000 | 2,515,000 | 2,300,000 |
| Income tax | 46,000 | 92,000 | 134,000 | 179,000 |
| Net income | 943,000 | 1,516,000 | 2,381,000 | 2,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,369,000 | 40,664,000 | 41,537,000 | 39,887,000 |
| Total capital | 41,178,000 | 44,105,000 | 44,578,000 | 43,583,000 |
| Risk-weighted assets | 307,431,000 | 333,707,000 | 337,340,000 | 342,021,000 |