Call reports 2019
CENTRAL SAVINGS, F.S.B. — 2019
What CENTRAL SAVINGS, F.S.B. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 109,480,000 | 109,467,000 | 103,572,000 | 107,779,000 |
| Total loans | 96,515,000 | 93,127,000 | 90,187,000 | 94,916,000 |
| Allowance for loan losses | 1,477,000 | 1,479,000 | 1,481,000 | 1,343,000 |
| Securities available for sale | 4,044,000 | 3,891,000 | 3,805,000 | 3,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,321,000 | 80,878,000 | 74,662,000 | 75,305,000 |
| Interest-bearing deposits | 78,890,000 | 75,926,000 | 70,454,000 | 71,510,000 |
| Noninterest-bearing deposits | 2,431,000 | 4,952,000 | 4,208,000 | 3,795,000 |
| Equity capital | 27,577,000 | 27,772,000 | 28,022,000 | 27,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,238,000 | 2,524,000 | 3,825,000 | 5,022,000 |
| Interest expense | 233,000 | 464,000 | 701,000 | 934,000 |
| Net interest income | 1,005,000 | 2,060,000 | 3,124,000 | 4,088,000 |
| Noninterest income | 9,000 | 34,000 | 64,000 | 93,000 |
| Noninterest expense | 747,000 | 1,571,000 | 2,362,000 | 3,525,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 267,000 | 523,000 | 826,000 | 706,000 |
| Income tax | 76,000 | 161,000 | 244,000 | 234,000 |
| Net income | 191,000 | 362,000 | 582,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,193,000 | 26,371,000 | 26,601,000 | 26,517,000 |
| Total capital | 27,269,000 | 27,409,000 | 27,595,000 | 27,561,000 |
| Risk-weighted assets | 85,621,000 | 82,452,000 | 79,002,000 | 83,119,000 |
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