Call reports 2008
FIRST CENTRAL SAVINGS BANK — 2008
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 645,056,000 | 655,016,000 | 697,832,000 | 702,304,000 |
| Total loans | 556,568,000 | 574,325,000 | 580,445,000 | 588,564,000 |
| Allowance for loan losses | 5,229,000 | 7,404,000 | 12,749,000 | 11,495,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,415,000 | 42,106,000 | 39,890,000 | 65,595,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 583,771,000 | 599,247,000 | 635,142,000 | 637,336,000 |
| Interest-bearing deposits | 545,944,000 | 557,721,000 | 590,778,000 | 595,359,000 |
| Noninterest-bearing deposits | 37,827,000 | 41,525,000 | 44,364,000 | 41,977,000 |
| Equity capital | 40,589,000 | 39,820,000 | 37,551,000 | 45,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,813,000 | 20,451,000 | 31,558,000 | 42,270,000 |
| Interest expense | 6,327,000 | 12,533,000 | 18,803,000 | 25,246,000 |
| Net interest income | 3,486,000 | 7,918,000 | 12,755,000 | 17,024,000 |
| Noninterest income | 617,000 | 232,000 | 872,000 | 1,421,000 |
| Noninterest expense | 2,419,000 | 5,091,000 | 7,946,000 | 10,631,000 |
| Provision for loan losses | 2,410,000 | 4,910,000 | 10,730,000 | 11,480,000 |
| Pretax income | -726,000 | -1,851,000 | -5,049,000 | -3,666,000 |
| Income tax | -85,000 | -441,000 | -1,371,000 | -756,000 |
| Net income | -641,000 | -1,410,000 | -3,678,000 | -2,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,589,000 | 39,820,000 | 37,551,000 | 45,598,000 |
| Total capital | 45,818,000 | 46,536,000 | 44,503,000 | 52,628,000 |
| Risk-weighted assets | 525,352,000 | 536,462,000 | 550,248,000 | 557,813,000 |
Machine access — free, no API key
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