Call reports 2023
COMMUNITY SAVINGS BANK — 2023
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 563,416,000 | 566,425,000 | 558,023,000 | 590,627,000 |
| Total loans | 395,887,000 | 399,165,000 | 400,138,000 | 421,868,000 |
| Allowance for loan losses | 4,692,000 | 4,342,000 | 4,423,000 | 4,467,000 |
| Securities available for sale | 130,955,000 | 126,835,000 | 123,546,000 | 130,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,021,000 | 467,900,000 | 449,413,000 | 452,455,000 |
| Interest-bearing deposits | 356,488,000 | 377,335,000 | 361,732,000 | 362,408,000 |
| Noninterest-bearing deposits | 88,533,000 | 90,565,000 | 87,681,000 | 90,047,000 |
| Equity capital | 44,535,000 | 43,379,000 | 38,604,000 | 46,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,686,000 | 11,812,000 | 18,225,000 | 25,076,000 |
| Interest expense | 1,718,000 | 3,864,000 | 6,342,000 | 9,226,000 |
| Net interest income | 3,968,000 | 7,948,000 | 11,883,000 | 15,850,000 |
| Noninterest income | 657,000 | 1,313,000 | 1,957,000 | 2,752,000 |
| Noninterest expense | 3,616,000 | 7,340,000 | 10,972,000 | 14,444,000 |
| Provision for loan losses | 50,000 | 79,000 | 158,000 | 235,000 |
| Pretax income | 976,000 | 1,897,000 | 2,776,000 | 4,021,000 |
| Income tax | 46,000 | 89,000 | 130,000 | 189,000 |
| Net income | 930,000 | 1,808,000 | 2,646,000 | 3,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,622,000 | 55,520,000 | 55,752,000 | 56,334,000 |
| Total capital | 59,314,000 | 59,862,000 | 60,176,000 | 60,801,000 |
| Risk-weighted assets | 432,909,000 | 432,583,000 | 433,334,000 | 454,243,000 |