Call reports 2002
CENTRAL SAVINGS BANK — 2002
What CENTRAL SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 176,731,000 | 181,088,000 | 187,738,000 | 190,013,000 |
| Total loans | 123,315,000 | 128,703,000 | 134,971,000 | 135,215,000 |
| Allowance for loan losses | 1,575,000 | 1,650,000 | 1,624,000 | 1,831,000 |
| Securities available for sale | 32,736,000 | 31,765,000 | 31,783,000 | 30,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,626,000 | 160,556,000 | 166,291,000 | 167,975,000 |
| Interest-bearing deposits | 138,132,000 | 139,737,000 | 141,606,000 | 146,004,000 |
| Noninterest-bearing deposits | 18,494,000 | 20,819,000 | 24,685,000 | 21,971,000 |
| Equity capital | 15,216,000 | 15,821,000 | 16,597,000 | 16,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,901,000 | 5,821,000 | 8,804,000 | 11,813,000 |
| Interest expense | 1,088,000 | 2,196,000 | 3,335,000 | 4,415,000 |
| Net interest income | 1,813,000 | 3,625,000 | 5,469,000 | 7,398,000 |
| Noninterest income | 212,000 | 422,000 | 687,000 | 1,303,000 |
| Noninterest expense | 1,180,000 | 2,377,000 | 3,663,000 | 5,234,000 |
| Provision for loan losses | 75,000 | 152,000 | 227,000 | 454,000 |
| Pretax income | 787,000 | 1,543,000 | 2,292,000 | 3,042,000 |
| Income tax | 224,000 | 437,000 | 636,000 | 739,000 |
| Net income | 563,000 | 1,106,000 | 1,656,000 | 2,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,712,000 | 14,114,000 | 14,687,000 | 14,807,000 |
| Total capital | 15,037,000 | 15,486,000 | 16,109,000 | 16,254,000 |
| Risk-weighted assets | 105,771,000 | 109,436,000 | 113,526,000 | 115,338,000 |