Call reports 2012
CENTRAL SAVINGS, F.S.B. — 2012
What CENTRAL SAVINGS, F.S.B. 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 | 96,681,000 | 97,516,000 | 95,151,000 | 95,997,000 |
| Total loans | 83,535,000 | 82,599,000 | 78,234,000 | 76,544,000 |
| Allowance for loan losses | 2,106,000 | 2,081,000 | 1,870,000 | 1,812,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,281,000 | 76,771,000 | 74,414,000 | 75,374,000 |
| Interest-bearing deposits | 71,251,000 | 73,257,000 | 70,576,000 | 70,768,000 |
| Noninterest-bearing deposits | 3,030,000 | 3,514,000 | 3,838,000 | 4,606,000 |
| Equity capital | 19,391,000 | 19,491,000 | 19,557,000 | 19,620,000 |
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 | 1,060,000 | 2,112,000 | 3,175,000 | 4,219,000 |
| Interest expense | 172,000 | 339,000 | 499,000 | 647,000 |
| Net interest income | 888,000 | 1,773,000 | 2,676,000 | 3,572,000 |
| Noninterest income | 16,000 | 29,000 | 28,000 | 54,000 |
| Noninterest expense | 787,000 | 1,515,000 | 2,303,000 | 3,142,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 287,000 | 401,000 | 484,000 |
| Income tax | 48,000 | 118,000 | 166,000 | 186,000 |
| Net income | 69,000 | 169,000 | 235,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,391,000 | 19,491,000 | 18,857,000 | 18,921,000 |
| Total capital | 20,357,000 | 20,452,000 | 19,775,000 | 19,812,000 |
| Risk-weighted assets | 76,186,000 | 75,774,000 | 72,495,000 | 70,355,000 |
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