Call reports 2023
FIRST CENTRAL SAVINGS BANK — 2023
What FIRST CENTRAL SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 956,370,000 | 972,234,000 | 953,617,000 | 963,535,000 |
| Total loans | 808,640,000 | 834,443,000 | 822,473,000 | 835,403,000 |
| Allowance for loan losses | 8,148,000 | 8,364,000 | 8,193,000 | 8,347,000 |
| Securities available for sale | 44,906,000 | 43,643,000 | 41,977,000 | 43,057,000 |
| Securities held to maturity | 2,008,000 | 2,008,000 | 2,008,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 814,647,000 | 842,150,000 | 838,413,000 | 820,928,000 |
| Interest-bearing deposits | 690,741,000 | 706,289,000 | 730,555,000 | 713,042,000 |
| Noninterest-bearing deposits | 123,906,000 | 135,860,000 | 107,858,000 | 107,886,000 |
| Equity capital | 79,258,000 | 80,603,000 | 81,726,000 | 83,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 12,362,000 | 25,909,000 | 39,697,000 | 53,465,000 |
| Interest expense | 4,476,000 | 10,048,000 | 16,474,000 | 23,466,000 |
| Net interest income | 7,886,000 | 15,861,000 | 23,223,000 | 29,999,000 |
| Noninterest income | 737,000 | 1,947,000 | 3,698,000 | 4,991,000 |
| Noninterest expense | 6,033,000 | 12,538,000 | 19,134,000 | 25,715,000 |
| Provision for loan losses | 335,000 | 550,000 | 377,000 | 402,000 |
| Pretax income | 2,255,000 | 4,720,000 | 7,410,000 | 8,982,000 |
| Income tax | 464,000 | 973,000 | 1,528,000 | 1,847,000 |
| Net income | 1,791,000 | 3,747,000 | 5,882,000 | 7,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,523,000 | 85,913,000 | 88,047,000 | 88,236,000 |
| Total capital | 91,844,000 | 94,450,000 | 96,426,000 | 96,600,000 |
| Risk-weighted assets | 673,498,000 | 687,752,000 | 670,127,000 | 668,873,000 |
Machine access — free, no API key
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