Call reports 2013
COMMUNITY FEDERAL SAVINGS BANK — 2013
What COMMUNITY FEDERAL 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 | 80,605,000 | 85,989,000 | 94,836,000 | 92,241,000 |
| Total loans | 32,295,000 | 42,978,000 | 50,069,000 | 51,659,000 |
| Allowance for loan losses | 446,000 | 446,000 | 446,000 | 446,000 |
| Securities available for sale | 24,866,000 | 9,050,000 | 8,556,000 | 8,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,317,000 | 67,605,000 | 76,946,000 | 75,075,000 |
| Interest-bearing deposits | 57,659,000 | 63,129,000 | 69,627,000 | 68,599,000 |
| Noninterest-bearing deposits | 3,658,000 | 4,476,000 | 7,319,000 | 6,476,000 |
| Equity capital | 18,569,000 | 17,852,000 | 17,345,000 | 16,650,000 |
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 | 427,000 | 1,006,000 | 1,709,000 | 2,391,000 |
| Interest expense | 143,000 | 292,000 | 459,000 | 632,000 |
| Net interest income | 284,000 | 714,000 | 1,250,000 | 1,759,000 |
| Noninterest income | 35,000 | 75,000 | 122,000 | 170,000 |
| Noninterest expense | 1,127,000 | 2,111,000 | 3,125,000 | 4,344,000 |
| Provision for loan losses | 51,000 | 51,000 | 51,000 | 51,000 |
| Pretax income | -872,000 | -1,386,000 | -1,817,000 | -2,480,000 |
| Income tax | 0 | 5,000 | 5,000 | 5,000 |
| Net income | -872,000 | -1,391,000 | -1,822,000 | -2,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,367,000 | 17,849,000 | 17,417,000 | 16,755,000 |
| Total capital | 18,813,000 | 18,295,000 | 17,863,000 | 17,201,000 |
| Risk-weighted assets | 37,655,000 | 50,896,000 | 50,706,000 | 51,779,000 |