Call reports 2020
FIRST CENTRAL SAVINGS BANK — 2020
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 632,477,000 | 648,690,000 | 681,228,000 | 686,611,000 |
| Total loans | 530,464,000 | 549,169,000 | 558,403,000 | 588,723,000 |
| Allowance for loan losses | 4,771,000 | 5,143,000 | 5,167,000 | 5,346,000 |
| Securities available for sale | 14,625,000 | 34,374,000 | 42,011,000 | 39,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 531,409,000 | 577,195,000 | 606,900,000 | 598,051,000 |
| Interest-bearing deposits | 475,082,000 | 521,173,000 | 525,907,000 | 517,640,000 |
| Noninterest-bearing deposits | 56,326,000 | 56,023,000 | 80,994,000 | 80,412,000 |
| Equity capital | 59,610,000 | 60,066,000 | 62,847,000 | 62,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,199,000 | 13,982,000 | 21,244,000 | 28,629,000 |
| Interest expense | 2,466,000 | 4,571,000 | 6,527,000 | 8,173,000 |
| Net interest income | 4,733,000 | 9,411,000 | 14,717,000 | 20,456,000 |
| Noninterest income | 448,000 | 718,000 | 986,000 | 1,528,000 |
| Noninterest expense | 4,107,000 | 8,257,000 | 12,484,000 | 17,352,000 |
| Provision for loan losses | 250,000 | 475,000 | 775,000 | 2,929,000 |
| Pretax income | 890,000 | 1,463,000 | 2,510,000 | 1,770,000 |
| Income tax | 177,000 | 283,000 | 490,000 | 319,000 |
| Net income | 713,000 | 1,180,000 | 2,020,000 | 1,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,316,000 | 53,783,000 | 57,181,000 | 56,458,000 |
| Total capital | 58,291,000 | 59,127,000 | 62,522,000 | 61,983,000 |
| Risk-weighted assets | 506,072,000 | 518,165,000 | 527,339,000 | 536,699,000 |