Call reports 2004
CENTRAL SAVINGS BANK — 2004
What CENTRAL SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 182,388,000 | 181,013,000 | 194,809,000 | 184,565,000 |
| Total loans | 98,910,000 | 98,224,000 | 96,948,000 | 96,205,000 |
| Allowance for loan losses | 2,233,000 | 2,305,000 | 2,386,000 | 2,415,000 |
| Securities available for sale | 51,174,000 | 53,459,000 | 56,749,000 | 55,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,209,000 | 159,219,000 | 172,444,000 | 162,656,000 |
| Interest-bearing deposits | 139,318,000 | 135,665,000 | 142,764,000 | 136,449,000 |
| Noninterest-bearing deposits | 20,891,000 | 23,554,000 | 29,680,000 | 26,207,000 |
| Equity capital | 18,616,000 | 18,016,000 | 18,782,000 | 18,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,225,000 | 4,427,000 | 6,697,000 | 8,976,000 |
| Interest expense | 727,000 | 1,376,000 | 2,031,000 | 2,704,000 |
| Net interest income | 1,498,000 | 3,051,000 | 4,666,000 | 6,272,000 |
| Noninterest income | 313,000 | 611,000 | 1,004,000 | 1,362,000 |
| Noninterest expense | 1,317,000 | 2,643,000 | 4,031,000 | 5,391,000 |
| Provision for loan losses | 90,000 | 160,000 | 253,000 | 330,000 |
| Pretax income | 404,000 | 862,000 | 1,389,000 | 1,916,000 |
| Income tax | 83,000 | 187,000 | 311,000 | 362,000 |
| Net income | 321,000 | 675,000 | 1,078,000 | 1,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,805,000 | 17,011,000 | 17,418,000 | 17,366,000 |
| Total capital | 18,153,000 | 18,373,000 | 18,830,000 | 18,766,000 |
| Risk-weighted assets | 106,948,000 | 108,020,000 | 111,992,000 | 110,951,000 |