Call reports 2019
FIRST CENTRAL SAVINGS BANK — 2019
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 611,434,000 | 608,622,000 | 595,175,000 | 636,902,000 |
| Total loans | 492,185,000 | 499,216,000 | 492,009,000 | 499,946,000 |
| Allowance for loan losses | 6,084,000 | 6,052,000 | 6,328,000 | 4,741,000 |
| Securities available for sale | 52,035,000 | 51,921,000 | 46,692,000 | 44,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 543,341,000 | 538,759,000 | 524,588,000 | 566,029,000 |
| Interest-bearing deposits | 482,502,000 | 476,506,000 | 467,458,000 | 510,065,000 |
| Noninterest-bearing deposits | 60,839,000 | 62,252,000 | 57,130,000 | 55,964,000 |
| Equity capital | 55,749,000 | 57,154,000 | 58,115,000 | 58,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,880,000 | 14,453,000 | 21,308,000 | 28,183,000 |
| Interest expense | 2,144,000 | 4,605,000 | 7,071,000 | 9,520,000 |
| Net interest income | 4,736,000 | 9,848,000 | 14,237,000 | 18,663,000 |
| Noninterest income | 331,000 | 556,000 | 875,000 | 1,373,000 |
| Noninterest expense | 4,022,000 | 8,199,000 | 11,788,000 | 15,696,000 |
| Provision for loan losses | 285,000 | 335,000 | 535,000 | 1,130,000 |
| Pretax income | 760,000 | 1,870,000 | 2,825,000 | 3,246,000 |
| Income tax | 151,000 | 381,000 | 596,000 | 737,000 |
| Net income | 609,000 | 1,489,000 | 2,229,000 | 2,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,998,000 | 51,433,000 | 52,370,000 | 52,385,000 |
| Total capital | 56,141,000 | 57,634,000 | 58,489,000 | 57,330,000 |
| Risk-weighted assets | 491,125,000 | 495,831,000 | 489,146,000 | 500,461,000 |