Call reports 2016
COMMUNITY SAVINGS BANK — 2016
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 80,064,000 | 78,848,000 | 77,695,000 | 76,097,000 |
| Total loans | 53,870,000 | 56,966,000 | 58,330,000 | 56,619,000 |
| Allowance for loan losses | 97,000 | 102,000 | 135,000 | 175,000 |
| Securities available for sale | 12,272,000 | 11,432,000 | 11,140,000 | 11,129,000 |
| Securities held to maturity | 633,000 | 580,000 | 547,000 | 530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,671,000 | 64,296,000 | 63,043,000 | 61,599,000 |
| Interest-bearing deposits | 62,934,000 | 62,618,000 | 61,372,000 | 59,831,000 |
| Noninterest-bearing deposits | 1,737,000 | 1,678,000 | 1,671,000 | 1,768,000 |
| Equity capital | 11,741,000 | 11,990,000 | 12,035,000 | 11,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 826,000 | 1,622,000 | 2,420,000 | 3,207,000 |
| Interest expense | 97,000 | 200,000 | 309,000 | 419,000 |
| Net interest income | 729,000 | 1,422,000 | 2,111,000 | 2,788,000 |
| Noninterest income | 87,000 | 148,000 | 188,000 | 251,000 |
| Noninterest expense | 662,000 | 1,245,000 | 1,835,000 | 2,431,000 |
| Provision for loan losses | 0 | 35,000 | 65,000 | 83,000 |
| Pretax income | 154,000 | 290,000 | 401,000 | 527,000 |
| Income tax | 41,000 | 33,000 | 60,000 | 92,000 |
| Net income | 113,000 | 257,000 | 341,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,516,000 | 11,673,000 | 11,766,000 | 11,868,000 |
| Total capital | 11,613,000 | 11,775,000 | 11,901,000 | 12,043,000 |
| Risk-weighted assets | 43,222,000 | 44,146,000 | 45,833,000 | 44,205,000 |