Call reports 2013
FIRST CENTRAL SAVINGS BANK — 2013
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 553,445,000 | 531,512,000 | 533,493,000 | 504,694,000 |
| Total loans | 306,232,000 | 311,224,000 | 308,108,000 | 303,326,000 |
| Allowance for loan losses | 14,123,000 | 13,404,000 | 10,835,000 | 10,873,000 |
| Securities available for sale | 56,641,000 | 53,669,000 | 50,877,000 | 49,222,000 |
| Securities held to maturity | 63,047,000 | 57,642,000 | 57,317,000 | 56,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,013,000 | 479,921,000 | 458,337,000 | 431,182,000 |
| Interest-bearing deposits | 479,552,000 | 442,199,000 | 425,876,000 | 398,705,000 |
| Noninterest-bearing deposits | 34,461,000 | 37,722,000 | 32,461,000 | 32,477,000 |
| Equity capital | 26,228,000 | 39,579,000 | 57,863,000 | 60,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,288,000 | 10,463,000 | 15,468,000 | 20,601,000 |
| Interest expense | 1,707,000 | 3,286,000 | 4,787,000 | 6,115,000 |
| Net interest income | 3,581,000 | 7,177,000 | 10,681,000 | 14,486,000 |
| Noninterest income | 178,000 | 266,000 | 246,000 | 940,000 |
| Noninterest expense | 3,408,000 | 6,826,000 | 10,078,000 | 13,225,000 |
| Provision for loan losses | 0 | 0 | -3,000,000 | -3,000,000 |
| Pretax income | 351,000 | 632,000 | 3,864,000 | 5,216,000 |
| Income tax | 66,000 | 66,000 | -16,207,000 | -15,715,000 |
| Net income | 285,000 | 566,000 | 20,071,000 | 20,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,405,000 | 40,286,000 | 44,496,000 | 47,501,000 |
| Total capital | 30,120,000 | 44,055,000 | 48,509,000 | 51,459,000 |
| Risk-weighted assets | 286,774,000 | 291,857,000 | 314,208,000 | 309,762,000 |