Call reports 2009
FIRST CENTRAL SAVINGS BANK — 2009
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 705,378,000 | 715,390,000 | 711,978,000 | 683,194,000 |
| Total loans | 594,093,000 | 602,471,000 | 587,130,000 | 578,462,000 |
| Allowance for loan losses | 8,826,000 | 11,147,000 | 10,717,000 | 12,369,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 72,701,000 | 68,340,000 | 74,333,000 | 62,325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 638,356,000 | 647,865,000 | 635,969,000 | 622,054,000 |
| Interest-bearing deposits | 605,838,000 | 612,574,000 | 605,035,000 | 587,248,000 |
| Noninterest-bearing deposits | 32,518,000 | 35,291,000 | 30,935,000 | 34,806,000 |
| Equity capital | 50,431,000 | 50,470,000 | 45,037,000 | 45,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,698,000 | 21,842,000 | 31,472,000 | 41,428,000 |
| Interest expense | 6,139,000 | 11,989,000 | 17,547,000 | 22,518,000 |
| Net interest income | 4,559,000 | 9,853,000 | 13,925,000 | 18,910,000 |
| Noninterest income | 617,000 | 1,236,000 | 1,729,000 | 2,294,000 |
| Noninterest expense | 2,726,000 | 5,560,000 | 9,804,000 | 13,089,000 |
| Provision for loan losses | 1,465,000 | 4,215,000 | 12,446,000 | 14,096,000 |
| Pretax income | 985,000 | 1,314,000 | -6,596,000 | -5,981,000 |
| Income tax | 475,000 | 766,000 | -1,709,000 | -1,345,000 |
| Net income | 510,000 | 548,000 | -4,887,000 | -4,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,431,000 | 50,470,000 | 45,037,000 | 45,286,000 |
| Total capital | 57,489,000 | 57,612,000 | 52,044,000 | 52,170,000 |
| Risk-weighted assets | 562,734,000 | 568,669,000 | 556,700,000 | 545,088,000 |
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