Call reports 2015
CENTRAL SAVINGS, F.S.B. — 2015
What CENTRAL SAVINGS, F.S.B. 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 | 99,443,000 | 99,017,000 | 110,224,000 | 111,379,000 |
| Total loans | 82,958,000 | 85,529,000 | 89,913,000 | 90,240,000 |
| Allowance for loan losses | 1,543,000 | 1,519,000 | 1,526,000 | 1,533,000 |
| Securities available for sale | 7,208,000 | 6,857,000 | 9,688,000 | 9,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,651,000 | 70,168,000 | 77,940,000 | 79,346,000 |
| Interest-bearing deposits | 66,258,000 | 64,784,000 | 73,254,000 | 73,968,000 |
| Noninterest-bearing deposits | 4,393,000 | 5,384,000 | 4,686,000 | 5,378,000 |
| Equity capital | 23,916,000 | 23,905,000 | 25,272,000 | 25,250,000 |
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 | 1,045,000 | 2,091,000 | 3,210,000 | 4,375,000 |
| Interest expense | 75,000 | 150,000 | 233,000 | 323,000 |
| Net interest income | 970,000 | 1,941,000 | 2,977,000 | 4,052,000 |
| Noninterest income | 6,000 | 16,000 | 36,000 | 52,000 |
| Noninterest expense | 796,000 | 1,665,000 | 2,494,000 | 3,533,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 180,000 | 292,000 | 519,000 | 571,000 |
| Income tax | 71,000 | 114,000 | 202,000 | 222,000 |
| Net income | 109,000 | 178,000 | 317,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,614,000 | 22,684,000 | 23,827,000 | 23,611,000 |
| Total capital | 23,518,000 | 23,606,000 | 24,803,000 | 24,599,000 |
| Risk-weighted assets | 71,738,000 | 73,171,000 | 77,547,000 | 78,279,000 |
Machine access — free, no API key
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