Call reports 2014
COMMUNITY SAVINGS BANK — 2014
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 42,486,000 | 40,908,000 | 76,207,000 | 75,273,000 |
| Total loans | 34,069,000 | 34,591,000 | 45,358,000 | 46,837,000 |
| Allowance for loan losses | 202,000 | 179,000 | 159,000 | 122,000 |
| Securities available for sale | 2,160,000 | 2,150,000 | 11,011,000 | 12,595,000 |
| Securities held to maturity | 918,000 | 864,000 | 839,000 | 810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,884,000 | 33,210,000 | 63,590,000 | 62,364,000 |
| Interest-bearing deposits | 33,583,000 | 32,285,000 | 62,448,000 | 61,082,000 |
| Noninterest-bearing deposits | 1,301,000 | 925,000 | 1,142,000 | 1,282,000 |
| Equity capital | 5,907,000 | 5,970,000 | 11,133,000 | 11,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 949,000 | 1,489,000 | 2,194,000 |
| Interest expense | 73,000 | 142,000 | 215,000 | 303,000 |
| Net interest income | 401,000 | 807,000 | 1,274,000 | 1,891,000 |
| Noninterest income | 31,000 | 60,000 | 1,191,000 | 1,239,000 |
| Noninterest expense | 382,000 | 786,000 | 1,342,000 | 2,001,000 |
| Provision for loan losses | 0 | -29,000 | -29,000 | 1,000 |
| Pretax income | 50,000 | 110,000 | 1,152,000 | 1,128,000 |
| Income tax | 15,000 | 34,000 | 26,000 | 16,000 |
| Net income | 35,000 | 76,000 | 1,126,000 | 1,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,946,000 | 5,987,000 | 10,742,000 | 10,756,000 |
| Total capital | 6,148,000 | 6,166,000 | 10,901,000 | 10,878,000 |
| Risk-weighted assets | 26,138,000 | 26,202,000 | 35,996,000 | 36,967,000 |