Call reports 2016
CENTRAL SAVINGS, F.S.B. — 2016
What CENTRAL SAVINGS, F.S.B. 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 | 111,079,000 | 111,200,000 | 112,809,000 | 115,371,000 |
| Total loans | 90,314,000 | 93,656,000 | 98,478,000 | 100,768,000 |
| Allowance for loan losses | 1,539,000 | 1,546,000 | 1,552,000 | 1,557,000 |
| Securities available for sale | 9,307,000 | 8,616,000 | 6,339,000 | 5,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,913,000 | 81,309,000 | 79,829,000 | 82,714,000 |
| Interest-bearing deposits | 75,356,000 | 75,476,000 | 74,807,000 | 76,843,000 |
| Noninterest-bearing deposits | 4,557,000 | 5,833,000 | 5,022,000 | 5,871,000 |
| Equity capital | 25,445,000 | 25,572,000 | 25,697,000 | 25,576,000 |
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 | 1,139,000 | 2,369,000 | 3,686,000 | 4,881,000 |
| Interest expense | 96,000 | 202,000 | 311,000 | 428,000 |
| Net interest income | 1,043,000 | 2,167,000 | 3,375,000 | 4,453,000 |
| Noninterest income | 9,000 | 104,000 | 113,000 | 123,000 |
| Noninterest expense | 874,000 | 1,899,000 | 2,747,000 | 3,831,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 178,000 | 372,000 | 741,000 | 745,000 |
| Income tax | 71,000 | 147,000 | 291,000 | 291,000 |
| Net income | 107,000 | 225,000 | 450,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,645,000 | 23,792,000 | 24,089,000 | 24,095,000 |
| Total capital | 24,641,000 | 24,817,000 | 25,150,000 | 25,182,000 |
| Risk-weighted assets | 79,008,000 | 81,329,000 | 84,255,000 | 86,475,000 |