Call reports 2022
FIRST CENTRAL SAVINGS BANK — 2022
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 805,985,000 | 852,625,000 | 889,716,000 | 903,989,000 |
| Total loans | 678,992,000 | 715,729,000 | 754,455,000 | 747,136,000 |
| Allowance for loan losses | 7,102,000 | 7,503,000 | 7,587,000 | 7,626,000 |
| Securities available for sale | 46,264,000 | 47,757,000 | 45,130,000 | 45,320,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 2,008,000 | 2,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 702,963,000 | 744,466,000 | 763,136,000 | 798,011,000 |
| Interest-bearing deposits | 574,108,000 | 612,903,000 | 631,572,000 | 687,352,000 |
| Noninterest-bearing deposits | 128,855,000 | 131,563,000 | 131,563,000 | 110,659,000 |
| Equity capital | 74,039,000 | 74,306,000 | 74,451,000 | 77,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 8,599,000 | 17,522,000 | 27,942,000 | 39,481,000 |
| Interest expense | 903,000 | 1,987,000 | 4,049,000 | 7,383,000 |
| Net interest income | 7,696,000 | 15,535,000 | 23,893,000 | 32,098,000 |
| Noninterest income | 3,068,000 | 3,556,000 | 4,342,000 | 5,449,000 |
| Noninterest expense | 5,463,000 | 10,849,000 | 16,772,000 | 23,337,000 |
| Provision for loan losses | 600,000 | 1,000,000 | 2,514,000 | 2,564,000 |
| Pretax income | 4,701,000 | 7,242,000 | 8,949,000 | 11,646,000 |
| Income tax | 983,000 | 1,508,000 | 1,856,000 | 2,416,000 |
| Net income | 3,718,000 | 5,734,000 | 7,093,000 | 9,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,997,000 | 77,231,000 | 78,948,000 | 81,651,000 |
| Total capital | 81,156,000 | 84,800,000 | 86,708,000 | 89,450,000 |
| Risk-weighted assets | 572,612,000 | 605,404,000 | 634,197,000 | 629,860,000 |