Call reports 2005
CENTRAL SAVINGS BANK — 2005
What CENTRAL SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 184,076,000 | 184,590,000 | 186,428,000 | 179,370,000 |
| Total loans | 98,272,000 | 99,571,000 | 97,992,000 | 98,091,000 |
| Allowance for loan losses | 2,420,000 | 2,450,000 | 2,450,000 | 2,442,000 |
| Securities available for sale | 52,533,000 | 52,836,000 | 53,380,000 | 50,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,705,000 | 163,321,000 | 166,791,000 | 160,404,000 |
| Interest-bearing deposits | 140,697,000 | 136,080,000 | 136,146,000 | 132,567,000 |
| Noninterest-bearing deposits | 23,008,000 | 27,241,000 | 30,645,000 | 27,837,000 |
| Equity capital | 18,479,000 | 17,429,000 | 17,631,000 | 17,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,286,000 | 4,664,000 | 7,196,000 | 9,696,000 |
| Interest expense | 666,000 | 1,378,000 | 2,159,000 | 2,960,000 |
| Net interest income | 1,620,000 | 3,286,000 | 5,037,000 | 6,736,000 |
| Noninterest income | 336,000 | 699,000 | 1,164,000 | 1,522,000 |
| Noninterest expense | 1,344,000 | 2,724,000 | 4,176,000 | 5,628,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 614,000 | 1,263,000 | 2,027,000 | 2,632,000 |
| Income tax | 148,000 | 301,000 | 487,000 | 598,000 |
| Net income | 466,000 | 962,000 | 1,540,000 | 2,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,856,000 | 16,525,000 | 16,896,000 | 16,528,000 |
| Total capital | 19,283,000 | 17,972,000 | 18,348,000 | 17,974,000 |
| Risk-weighted assets | 113,145,000 | 114,768,000 | 115,154,000 | 114,649,000 |