Call reports 2012
COMMUNITY SAVINGS BANK — 2012
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 45,181,000 | 44,688,000 | 44,563,000 | 43,987,000 |
| Total loans | 33,358,000 | 33,291,000 | 32,937,000 | 35,522,000 |
| Allowance for loan losses | 176,000 | 172,000 | 189,000 | 237,000 |
| Securities available for sale | 2,626,000 | 2,566,000 | 2,526,000 | 2,457,000 |
| Securities held to maturity | 1,346,000 | 1,256,000 | 1,217,000 | 1,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,475,000 | 36,837,000 | 36,185,000 | 36,018,000 |
| Interest-bearing deposits | 36,294,000 | 35,761,000 | 35,353,000 | 35,060,000 |
| Noninterest-bearing deposits | 1,181,000 | 1,076,000 | 832,000 | 958,000 |
| Equity capital | 5,493,000 | 5,415,000 | 5,549,000 | 5,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 540,000 | 1,065,000 | 1,588,000 | 2,086,000 |
| Interest expense | 132,000 | 260,000 | 377,000 | 482,000 |
| Net interest income | 408,000 | 805,000 | 1,211,000 | 1,604,000 |
| Noninterest income | 35,000 | 140,000 | 322,000 | 501,000 |
| Noninterest expense | 393,000 | 786,000 | 1,161,000 | 1,505,000 |
| Provision for loan losses | 0 | 170,000 | 200,000 | 245,000 |
| Pretax income | 50,000 | 93,000 | 276,000 | 459,000 |
| Income tax | 14,000 | 27,000 | 84,000 | 144,000 |
| Net income | 36,000 | 66,000 | 192,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,360,000 | 5,390,000 | 5,513,000 | 5,637,000 |
| Total capital | 5,536,000 | 5,562,000 | 5,702,000 | 5,874,000 |
| Risk-weighted assets | 24,192,000 | 25,432,000 | 24,966,000 | 26,812,000 |