Call reports 2021
FIRST CENTRAL SAVINGS BANK — 2021
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 679,362,000 | 678,055,000 | 707,436,000 | 763,755,000 |
| Total loans | 583,909,000 | 576,844,000 | 582,974,000 | 645,583,000 |
| Allowance for loan losses | 5,801,000 | 6,015,000 | 6,145,000 | 6,501,000 |
| Securities available for sale | 34,975,000 | 32,326,000 | 34,472,000 | 45,921,000 |
| Securities held to maturity | 0 | 0 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 612,908,000 | 609,361,000 | 635,695,000 | 643,983,000 |
| Interest-bearing deposits | 515,288,000 | 502,873,000 | 498,634,000 | 498,005,000 |
| Noninterest-bearing deposits | 97,620,000 | 106,489,000 | 137,061,000 | 145,978,000 |
| Equity capital | 63,146,000 | 67,079,000 | 69,560,000 | 72,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,241,000 | 14,769,000 | 22,250,000 | 30,537,000 |
| Interest expense | 1,344,000 | 2,465,000 | 3,441,000 | 4,311,000 |
| Net interest income | 5,897,000 | 12,304,000 | 18,809,000 | 26,226,000 |
| Noninterest income | 714,000 | 1,648,000 | 3,319,000 | 6,360,000 |
| Noninterest expense | 4,521,000 | 9,266,000 | 14,256,000 | 20,034,000 |
| Provision for loan losses | 700,000 | 950,000 | 950,000 | 1,550,000 |
| Pretax income | 1,390,000 | 3,736,000 | 6,922,000 | 11,002,000 |
| Income tax | 281,000 | 764,000 | 1,424,000 | 2,276,000 |
| Net income | 1,109,000 | 2,972,000 | 5,498,000 | 8,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,926,000 | 62,012,000 | 65,206,000 | 69,292,000 |
| Total capital | 63,837,000 | 68,125,000 | 71,449,000 | 75,966,000 |
| Risk-weighted assets | 524,208,000 | 510,049,000 | 503,821,000 | 540,525,000 |