Call reports 2013
COMMUNITY SAVINGS BANK — 2013
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 44,110,000 | 43,307,000 | 43,634,000 | 42,817,000 |
| Total loans | 33,847,000 | 33,956,000 | 33,609,000 | 33,477,000 |
| Allowance for loan losses | 260,000 | 262,000 | 200,000 | 202,000 |
| Securities available for sale | 2,360,000 | 2,689,000 | 2,592,000 | 2,156,000 |
| Securities held to maturity | 1,105,000 | 1,063,000 | 1,006,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,090,000 | 35,337,000 | 35,583,000 | 35,302,000 |
| Interest-bearing deposits | 34,868,000 | 34,376,000 | 34,535,000 | 34,169,000 |
| Noninterest-bearing deposits | 1,222,000 | 961,000 | 1,048,000 | 1,133,000 |
| Equity capital | 5,724,000 | 5,746,000 | 5,805,000 | 5,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,012,000 | 1,489,000 | 1,966,000 |
| Interest expense | 97,000 | 188,000 | 271,000 | 348,000 |
| Net interest income | 421,000 | 824,000 | 1,218,000 | 1,618,000 |
| Noninterest income | 75,000 | 168,000 | 200,000 | 241,000 |
| Noninterest expense | 359,000 | 731,000 | 1,096,000 | 1,482,000 |
| Provision for loan losses | 30,000 | 30,000 | -17,000 | -17,000 |
| Pretax income | 107,000 | 231,000 | 339,000 | 394,000 |
| Income tax | 33,000 | 72,000 | 105,000 | 119,000 |
| Net income | 74,000 | 159,000 | 234,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,714,000 | 5,794,000 | 5,869,000 | 5,910,000 |
| Total capital | 5,974,000 | 6,056,000 | 6,069,000 | 6,112,000 |
| Risk-weighted assets | 25,884,000 | 25,941,000 | 25,911,000 | 25,780,000 |