Call reports 2007
FIRST CENTRAL SAVINGS BANK — 2007
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 545,882,000 | 601,564,000 | 596,861,000 | 639,744,000 |
| Total loans | 400,754,000 | 408,159,000 | 428,880,000 | 456,577,000 |
| Allowance for loan losses | 2,488,000 | 2,567,000 | 2,874,000 | 2,976,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,810,000 | 31,241,000 | 33,844,000 | 32,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,385,000 | 543,710,000 | 537,329,000 | 578,498,000 |
| Interest-bearing deposits | 460,230,000 | 514,014,000 | 505,861,000 | 544,417,000 |
| Noninterest-bearing deposits | 30,155,000 | 29,696,000 | 31,468,000 | 34,080,000 |
| Equity capital | 37,822,000 | 39,226,000 | 40,224,000 | 41,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,505,000 | 17,589,000 | 27,015,000 | 37,584,000 |
| Interest expense | 5,247,000 | 11,061,000 | 17,178,000 | 23,542,000 |
| Net interest income | 3,258,000 | 6,528,000 | 9,837,000 | 14,042,000 |
| Noninterest income | 806,000 | 2,086,000 | 3,130,000 | 3,306,000 |
| Noninterest expense | 2,060,000 | 4,200,000 | 6,568,000 | 9,184,000 |
| Provision for loan losses | 358,000 | 408,000 | 675,000 | 745,000 |
| Pretax income | 1,646,000 | 4,006,000 | 5,724,000 | 7,419,000 |
| Income tax | 668,000 | 1,624,000 | 2,344,000 | 3,033,000 |
| Net income | 978,000 | 2,382,000 | 3,380,000 | 4,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,822,000 | 39,226,000 | 40,224,000 | 41,230,000 |
| Total capital | 40,310,000 | 41,793,000 | 43,098,000 | 44,206,000 |
| Risk-weighted assets | 376,373,000 | 400,020,000 | 415,694,000 | 451,011,000 |
Machine access — free, no API key
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