Call reports 2012
COMMUNITY FEDERAL SAVINGS BANK — 2012
What COMMUNITY FEDERAL 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 | 75,204,000 | 77,485,000 | 81,105,000 | 80,744,000 |
| Total loans | 18,155,000 | 22,700,000 | 22,698,000 | 30,858,000 |
| Allowance for loan losses | 235,000 | 372,000 | 395,000 | 395,000 |
| Securities available for sale | 11,644,000 | 10,102,000 | 9,538,000 | 9,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,534,000 | 56,031,000 | 60,541,000 | 60,997,000 |
| Interest-bearing deposits | 49,646,000 | 51,900,000 | 56,270,000 | 55,723,000 |
| Noninterest-bearing deposits | 3,888,000 | 4,131,000 | 4,271,000 | 5,274,000 |
| Equity capital | 21,366,000 | 20,807,000 | 20,137,000 | 19,273,000 |
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 | 470,000 | 971,000 | 1,378,000 | 1,901,000 |
| Interest expense | 147,000 | 299,000 | 456,000 | 615,000 |
| Net interest income | 323,000 | 672,000 | 922,000 | 1,286,000 |
| Noninterest income | 11,000 | 21,000 | 31,000 | 58,000 |
| Noninterest expense | 603,000 | 1,401,000 | 2,314,000 | 3,525,000 |
| Provision for loan losses | 0 | 137,000 | 151,000 | 151,000 |
| Pretax income | -288,000 | -865,000 | -1,543,000 | -2,367,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -288,000 | -865,000 | -1,543,000 | -2,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,112,000 | 20,537,000 | 19,857,000 | 19,034,000 |
| Total capital | 21,347,000 | 20,909,000 | 20,252,000 | 19,429,000 |
| Risk-weighted assets | 26,860,000 | 30,628,000 | 32,879,000 | 39,774,000 |