Call reports 2015
FIRST CENTRAL SAVINGS BANK — 2015
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 509,194,000 | 522,621,000 | 526,602,000 | 516,957,000 |
| Total loans | 325,414,000 | 332,007,000 | 372,179,000 | 360,612,000 |
| Allowance for loan losses | 7,774,000 | 7,826,000 | 8,030,000 | 6,527,000 |
| Securities available for sale | 51,412,000 | 50,957,000 | 90,781,000 | 77,570,000 |
| Securities held to maturity | 50,442,000 | 49,098,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,395,000 | 455,762,000 | 460,970,000 | 452,113,000 |
| Interest-bearing deposits | 394,881,000 | 406,596,000 | 412,938,000 | 406,645,000 |
| Noninterest-bearing deposits | 47,514,000 | 49,166,000 | 48,032,000 | 45,468,000 |
| Equity capital | 58,454,000 | 58,638,000 | 57,116,000 | 56,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,598,000 | 9,649,000 | 14,425,000 | 19,348,000 |
| Interest expense | 1,191,000 | 2,453,000 | 3,777,000 | 5,106,000 |
| Net interest income | 3,407,000 | 7,196,000 | 10,648,000 | 14,242,000 |
| Noninterest income | 229,000 | 470,000 | 716,000 | 1,411,000 |
| Noninterest expense | 3,779,000 | 7,444,000 | 11,134,000 | 14,989,000 |
| Provision for loan losses | -246,000 | -352,000 | -352,000 | -221,000 |
| Pretax income | 145,000 | 616,000 | 703,000 | 1,039,000 |
| Income tax | 10,000 | 147,000 | 1,676,000 | 1,774,000 |
| Net income | 135,000 | 469,000 | -973,000 | -735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,479,000 | 49,770,000 | 49,888,000 | 50,090,000 |
| Total capital | 53,720,000 | 54,173,000 | 54,832,000 | 54,876,000 |
| Risk-weighted assets | 335,542,000 | 348,469,000 | 387,468,000 | 376,345,000 |