Call reports 2019
COMMUNITY SAVINGS BANK — 2019
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 424,976,000 | 424,156,000 | 415,123,000 | 427,106,000 |
| Total loans | 293,752,000 | 291,465,000 | 293,483,000 | 300,620,000 |
| Allowance for loan losses | 1,759,000 | 3,359,000 | 3,352,000 | 3,349,000 |
| Securities available for sale | 76,906,000 | 78,740,000 | 77,123,000 | 83,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,193,000 | 343,306,000 | 335,809,000 | 344,821,000 |
| Interest-bearing deposits | 287,615,000 | 284,817,000 | 277,306,000 | 284,201,000 |
| Noninterest-bearing deposits | 55,578,000 | 58,489,000 | 58,503,000 | 60,620,000 |
| Equity capital | 42,499,000 | 42,869,000 | 43,202,000 | 43,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,472,000 | 9,022,000 | 13,515,000 | 18,022,000 |
| Interest expense | 1,171,000 | 2,362,000 | 3,542,000 | 4,724,000 |
| Net interest income | 3,301,000 | 6,660,000 | 9,973,000 | 13,298,000 |
| Noninterest income | 372,000 | 928,000 | 653,000 | 917,000 |
| Noninterest expense | 2,968,000 | 6,084,000 | 9,013,000 | 11,932,000 |
| Provision for loan losses | 587,000 | 2,319,000 | 2,324,000 | 2,327,000 |
| Pretax income | 232,000 | -690,000 | -342,000 | 325,000 |
| Income tax | 24,000 | 42,000 | 53,000 | -42,000 |
| Net income | 208,000 | -732,000 | -395,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,744,000 | 37,475,000 | 37,482,000 | 37,914,000 |
| Total capital | 40,503,000 | 40,834,000 | 40,834,000 | 41,263,000 |
| Risk-weighted assets | 330,266,000 | 326,844,000 | 325,764,000 | 337,216,000 |