Call reports 2014
FIRST CENTRAL SAVINGS BANK — 2014
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 501,252,000 | 503,569,000 | 507,839,000 | 497,212,000 |
| Total loans | 282,067,000 | 279,426,000 | 291,292,000 | 309,275,000 |
| Allowance for loan losses | 7,657,000 | 7,713,000 | 7,730,000 | 7,875,000 |
| Securities available for sale | 49,675,000 | 88,974,000 | 84,179,000 | 61,079,000 |
| Securities held to maturity | 60,126,000 | 58,600,000 | 56,411,000 | 53,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,681,000 | 434,546,000 | 442,068,000 | 430,767,000 |
| Interest-bearing deposits | 398,880,000 | 398,096,000 | 403,058,000 | 391,656,000 |
| Noninterest-bearing deposits | 33,801,000 | 36,450,000 | 39,010,000 | 39,111,000 |
| Equity capital | 60,472,000 | 60,335,000 | 57,795,000 | 58,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,407,000 | 8,809,000 | 13,439,000 | 17,928,000 |
| Interest expense | 1,219,000 | 2,427,000 | 3,647,000 | 4,855,000 |
| Net interest income | 3,188,000 | 6,382,000 | 9,792,000 | 13,073,000 |
| Noninterest income | 180,000 | 359,000 | 855,000 | 1,370,000 |
| Noninterest expense | 3,453,000 | 7,108,000 | 11,045,000 | 14,701,000 |
| Provision for loan losses | 0 | 0 | -12,000 | -24,000 |
| Pretax income | -85,000 | -367,000 | -383,000 | -127,000 |
| Income tax | -35,000 | -45,000 | 2,398,000 | 2,474,000 |
| Net income | -50,000 | -322,000 | -2,781,000 | -2,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,416,000 | 47,096,000 | 45,861,000 | 46,283,000 |
| Total capital | 51,194,000 | 50,856,000 | 49,770,000 | 50,444,000 |
| Risk-weighted assets | 298,377,000 | 296,889,000 | 308,872,000 | 329,146,000 |
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