Call reports 2015
COMMUNITY SAVINGS BANK — 2015
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 75,664,000 | 73,254,000 | 76,712,000 | 78,853,000 |
| Total loans | 49,393,000 | 50,369,000 | 53,991,000 | 57,185,000 |
| Allowance for loan losses | 99,000 | 81,000 | 131,000 | 118,000 |
| Securities available for sale | 12,435,000 | 11,938,000 | 12,475,000 | 11,850,000 |
| Securities held to maturity | 765,000 | 738,000 | 707,000 | 653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,850,000 | 61,404,000 | 62,372,000 | 63,636,000 |
| Interest-bearing deposits | 61,187,000 | 59,542,000 | 60,775,000 | 61,599,000 |
| Noninterest-bearing deposits | 1,663,000 | 1,862,000 | 1,597,000 | 2,037,000 |
| Equity capital | 11,281,000 | 11,329,000 | 11,461,000 | 11,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 746,000 | 1,513,000 | 2,301,000 | 3,113,000 |
| Interest expense | 76,000 | 149,000 | 224,000 | 303,000 |
| Net interest income | 670,000 | 1,364,000 | 2,077,000 | 2,810,000 |
| Noninterest income | 93,000 | 196,000 | 249,000 | 290,000 |
| Noninterest expense | 614,000 | 1,218,000 | 1,854,000 | 2,524,000 |
| Provision for loan losses | 0 | 19,000 | 19,000 | 19,000 |
| Pretax income | 149,000 | 363,000 | 493,000 | 598,000 |
| Income tax | 45,000 | 112,000 | 145,000 | 170,000 |
| Net income | 104,000 | 251,000 | 348,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,099,000 | 11,256,000 | 11,363,000 | 11,450,000 |
| Total capital | 11,198,000 | 11,337,000 | 11,494,000 | 11,568,000 |
| Risk-weighted assets | 37,125,000 | 37,547,000 | 41,425,000 | 43,448,000 |