Call reports 2018
FIRST CENTRAL SAVINGS BANK — 2018
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 577,066,000 | 610,453,000 | 602,655,000 | 584,165,000 |
| Total loans | 485,951,000 | 502,258,000 | 463,194,000 | 468,365,000 |
| Allowance for loan losses | 11,296,000 | 11,652,000 | 11,830,000 | 5,814,000 |
| Securities available for sale | 60,437,000 | 55,999,000 | 54,303,000 | 53,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,181,000 | 541,328,000 | 533,901,000 | 516,507,000 |
| Interest-bearing deposits | 459,331,000 | 489,522,000 | 470,688,000 | 451,736,000 |
| Noninterest-bearing deposits | 49,850,000 | 51,807,000 | 63,214,000 | 64,771,000 |
| Equity capital | 55,009,000 | 55,779,000 | 55,696,000 | 54,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,621,000 | 11,780,000 | 17,970,000 | 24,319,000 |
| Interest expense | 1,510,000 | 3,199,000 | 5,248,000 | 7,292,000 |
| Net interest income | 4,111,000 | 8,581,000 | 12,722,000 | 17,027,000 |
| Noninterest income | 941,000 | 1,232,000 | 1,012,000 | 1,247,000 |
| Noninterest expense | 3,667,000 | 7,579,000 | 11,615,000 | 15,192,000 |
| Provision for loan losses | 850,000 | 1,200,000 | 10,800,000 | 13,610,000 |
| Pretax income | 535,000 | 1,034,000 | -8,681,000 | -10,528,000 |
| Income tax | 101,000 | 194,000 | -1,960,000 | -2,383,000 |
| Net income | 434,000 | 840,000 | -6,721,000 | -8,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,131,000 | 54,199,000 | 52,372,000 | 49,241,000 |
| Total capital | 59,048,000 | 60,386,000 | 58,165,000 | 55,083,000 |
| Risk-weighted assets | 467,671,000 | 489,151,000 | 457,010,000 | 467,027,000 |