Call reports 2004
FIRST CENTRAL SAVINGS BANK — 2004
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 164,814,000 | 181,347,000 | 206,675,000 | 215,160,000 |
| Total loans | 119,144,000 | 141,201,000 | 156,178,000 | 177,961,000 |
| Allowance for loan losses | 800,000 | 810,000 | 900,000 | 1,140,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,253,000 | 22,737,000 | 19,214,000 | 17,838,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,660,000 | 167,009,000 | 190,928,000 | 192,209,000 |
| Interest-bearing deposits | 137,148,000 | 151,484,000 | 174,816,000 | 175,145,000 |
| Noninterest-bearing deposits | 14,512,000 | 15,525,000 | 16,112,000 | 17,064,000 |
| Equity capital | 11,729,000 | 12,400,000 | 13,281,000 | 14,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,406,000 | 5,082,000 | 8,014,000 | 11,247,000 |
| Interest expense | 763,000 | 1,564,000 | 2,574,000 | 3,701,000 |
| Net interest income | 1,643,000 | 3,518,000 | 5,440,000 | 7,546,000 |
| Noninterest income | 210,000 | 441,000 | 848,000 | 1,255,000 |
| Noninterest expense | 776,000 | 1,670,000 | 2,439,000 | 3,460,000 |
| Provision for loan losses | -5,000 | 50,000 | 136,000 | 151,000 |
| Pretax income | 1,082,000 | 2,239,000 | 3,713,000 | 5,190,000 |
| Income tax | 526,000 | 1,012,000 | 1,606,000 | 2,237,000 |
| Net income | 556,000 | 1,227,000 | 2,107,000 | 2,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,729,000 | 12,400,000 | 13,281,000 | 14,126,000 |
| Total capital | 12,529,000 | 13,367,000 | 14,181,000 | 15,330,000 |
| Risk-weighted assets | 107,263,000 | 121,987,000 | 139,351,000 | 150,106,000 |
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