Call reports 2016
FIRST CENTRAL SAVINGS BANK — 2016
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 513,073,000 | 533,235,000 | 536,809,000 | 533,163,000 |
| Total loans | 382,045,000 | 381,966,000 | 401,105,000 | 428,625,000 |
| Allowance for loan losses | 6,757,000 | 6,881,000 | 6,758,000 | 6,766,000 |
| Securities available for sale | 73,476,000 | 62,586,000 | 61,801,000 | 65,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,493,000 | 472,182,000 | 476,338,000 | 473,084,000 |
| Interest-bearing deposits | 404,598,000 | 422,441,000 | 422,175,000 | 420,670,000 |
| Noninterest-bearing deposits | 47,895,000 | 49,742,000 | 54,162,000 | 52,413,000 |
| Equity capital | 57,605,000 | 57,887,000 | 57,840,000 | 57,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,008,000 | 9,894,000 | 14,576,000 | 19,461,000 |
| Interest expense | 1,258,000 | 2,491,000 | 3,748,000 | 4,949,000 |
| Net interest income | 3,750,000 | 7,403,000 | 10,828,000 | 14,512,000 |
| Noninterest income | 227,000 | 515,000 | 403,000 | 625,000 |
| Noninterest expense | 3,991,000 | 7,721,000 | 11,359,000 | 14,760,000 |
| Provision for loan losses | -35,000 | -35,000 | -183,000 | -182,000 |
| Pretax income | 103,000 | 389,000 | 253,000 | 757,000 |
| Income tax | -39,000 | 43,000 | 2,000 | 149,000 |
| Net income | 142,000 | 346,000 | 251,000 | 608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,231,000 | 50,177,000 | 49,983,000 | 50,540,000 |
| Total capital | 55,220,000 | 55,137,000 | 55,131,000 | 55,935,000 |
| Risk-weighted assets | 394,029,000 | 391,426,000 | 406,651,000 | 426,584,000 |