Call reports 2005
FIRST CENTRAL SAVINGS BANK — 2005
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 260,535,000 | 278,759,000 | 324,281,000 | 344,234,000 |
| Total loans | 195,368,000 | 211,084,000 | 266,427,000 | 296,208,000 |
| Allowance for loan losses | 1,140,000 | 1,165,000 | 1,307,000 | 1,521,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,921,000 | 24,475,000 | 31,140,000 | 19,638,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,959,000 | 253,390,000 | 272,167,000 | 312,737,000 |
| Interest-bearing deposits | 221,763,000 | 229,730,000 | 247,563,000 | 287,731,000 |
| Noninterest-bearing deposits | 22,196,000 | 23,660,000 | 24,604,000 | 25,006,000 |
| Equity capital | 15,045,000 | 23,152,000 | 24,161,000 | 25,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,588,000 | 7,507,000 | 11,919,000 | 17,143,000 |
| Interest expense | 1,381,000 | 3,074,000 | 4,975,000 | 7,318,000 |
| Net interest income | 2,207,000 | 4,433,000 | 6,944,000 | 9,825,000 |
| Noninterest income | 438,000 | 1,030,000 | 1,792,000 | 2,494,000 |
| Noninterest expense | 1,063,000 | 2,252,000 | 3,688,000 | 5,419,000 |
| Provision for loan losses | 0 | 25,000 | 167,000 | 394,000 |
| Pretax income | 1,582,000 | 3,186,000 | 4,881,000 | 6,506,000 |
| Income tax | 663,000 | 1,341,000 | 2,027,000 | 2,672,000 |
| Net income | 919,000 | 1,845,000 | 2,854,000 | 3,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,045,000 | 23,152,000 | 24,161,000 | 25,141,000 |
| Total capital | 16,249,000 | 24,381,000 | 25,468,000 | 26,662,000 |
| Risk-weighted assets | 166,892,000 | 182,642,000 | 229,746,000 | 260,123,000 |
Machine access — free, no API key
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