Call reports 2006
FIRST CENTRAL SAVINGS BANK — 2006
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 421,066,000 | 468,462,000 | 491,738,000 | 517,538,000 |
| Total loans | 349,519,000 | 379,978,000 | 388,236,000 | 390,496,000 |
| Allowance for loan losses | 1,793,000 | 2,010,000 | 2,086,000 | 2,130,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,746,000 | 32,704,000 | 46,877,000 | 17,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,081,000 | 423,492,000 | 444,642,000 | 461,125,000 |
| Interest-bearing deposits | 356,872,000 | 402,804,000 | 423,300,000 | 439,832,000 |
| Noninterest-bearing deposits | 21,209,000 | 20,688,000 | 21,342,000 | 21,294,000 |
| Equity capital | 26,046,000 | 27,132,000 | 28,346,000 | 36,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,068,000 | 13,431,000 | 21,397,000 | 29,487,000 |
| Interest expense | 2,988,000 | 7,065,000 | 11,647,000 | 16,780,000 |
| Net interest income | 3,080,000 | 6,366,000 | 9,750,000 | 12,707,000 |
| Noninterest income | 658,000 | 1,421,000 | 2,228,000 | 3,632,000 |
| Noninterest expense | 1,911,000 | 3,928,000 | 6,005,000 | 8,082,000 |
| Provision for loan losses | 272,000 | 489,000 | 565,000 | 609,000 |
| Pretax income | 1,555,000 | 3,370,000 | 5,408,000 | 7,648,000 |
| Income tax | 650,000 | 1,379,000 | 2,203,000 | 3,108,000 |
| Net income | 905,000 | 1,991,000 | 3,205,000 | 4,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,046,000 | 27,132,000 | 28,346,000 | 36,844,000 |
| Total capital | 27,839,000 | 29,142,000 | 30,432,000 | 38,974,000 |
| Risk-weighted assets | 307,324,000 | 342,309,000 | 342,614,000 | 361,788,000 |
Machine access — free, no API key
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