Call reports 2017
FIRST CENTRAL SAVINGS BANK — 2017
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 568,516,000 | 588,312,000 | 603,932,000 | 590,550,000 |
| Total loans | 462,079,000 | 473,797,000 | 467,063,000 | 476,296,000 |
| Allowance for loan losses | 7,144,000 | 7,640,000 | 8,379,000 | 10,756,000 |
| Securities available for sale | 61,964,000 | 65,416,000 | 62,837,000 | 63,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,047,000 | 516,181,000 | 532,092,000 | 522,283,000 |
| Interest-bearing deposits | 448,252,000 | 466,417,000 | 480,035,000 | 468,924,000 |
| Noninterest-bearing deposits | 49,796,000 | 49,764,000 | 52,057,000 | 53,358,000 |
| Equity capital | 58,033,000 | 58,900,000 | 59,021,000 | 55,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,272,000 | 10,681,000 | 16,615,000 | 22,064,000 |
| Interest expense | 1,211,000 | 2,674,000 | 4,167,000 | 5,708,000 |
| Net interest income | 4,061,000 | 8,007,000 | 12,448,000 | 16,356,000 |
| Noninterest income | 272,000 | 722,000 | 936,000 | 1,167,000 |
| Noninterest expense | 3,228,000 | 6,647,000 | 10,158,000 | 13,917,000 |
| Provision for loan losses | 290,000 | 490,000 | 930,000 | 1,000,000 |
| Pretax income | 815,000 | 1,592,000 | 2,296,000 | 2,663,000 |
| Income tax | 256,000 | 498,000 | 714,000 | 4,902,000 |
| Net income | 559,000 | 1,094,000 | 1,582,000 | -2,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,304,000 | 52,231,000 | 52,916,000 | 52,449,000 |
| Total capital | 56,844,000 | 57,927,000 | 58,570,000 | 58,224,000 |
| Risk-weighted assets | 439,693,000 | 451,973,000 | 447,899,000 | 455,939,000 |