Call reports 2003
CENTRAL SAVINGS BANK — 2003
What CENTRAL SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 182,991,000 | 188,202,000 | 198,550,000 | 190,754,000 |
| Total loans | 130,479,000 | 108,480,000 | 104,179,000 | 102,044,000 |
| Allowance for loan losses | 1,927,000 | 1,992,000 | 2,145,000 | 2,126,000 |
| Securities available for sale | 34,449,000 | 48,214,000 | 54,361,000 | 54,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,667,000 | 165,568,000 | 176,371,000 | 168,992,000 |
| Interest-bearing deposits | 140,948,000 | 142,277,000 | 146,360,000 | 145,331,000 |
| Noninterest-bearing deposits | 19,719,000 | 23,291,000 | 30,011,000 | 23,661,000 |
| Equity capital | 17,098,000 | 18,068,000 | 18,205,000 | 18,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,792,000 | 5,395,000 | 7,904,000 | 10,231,000 |
| Interest expense | 1,006,000 | 1,950,000 | 2,781,000 | 3,566,000 |
| Net interest income | 1,786,000 | 3,445,000 | 5,123,000 | 6,665,000 |
| Noninterest income | 328,000 | 1,333,000 | 1,946,000 | 2,272,000 |
| Noninterest expense | 1,288,000 | 2,656,000 | 4,092,000 | 5,384,000 |
| Provision for loan losses | 90,000 | 182,000 | 349,000 | 429,000 |
| Pretax income | 736,000 | 1,940,000 | 2,628,000 | 3,124,000 |
| Income tax | 198,000 | 557,000 | 741,000 | 848,000 |
| Net income | 538,000 | 1,383,000 | 1,887,000 | 2,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,368,000 | 16,072,000 | 16,599,000 | 16,461,000 |
| Total capital | 16,802,000 | 17,456,000 | 18,013,000 | 17,843,000 |
| Risk-weighted assets | 113,732,000 | 110,102,000 | 112,395,000 | 109,829,000 |