Call reports 2006
CENTRAL SAVINGS BANK — 2006
What CENTRAL SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 176,253,000 | 181,636,000 | 187,062,000 | 183,809,000 |
| Total loans | 99,397,000 | 105,737,000 | 109,525,000 | 119,222,000 |
| Allowance for loan losses | 2,446,000 | 2,451,000 | 2,454,000 | 2,411,000 |
| Securities available for sale | 57,043,000 | 49,798,000 | 53,169,000 | 46,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,850,000 | 161,753,000 | 166,424,000 | 160,702,000 |
| Interest-bearing deposits | 133,466,000 | 133,027,000 | 137,224,000 | 133,697,000 |
| Noninterest-bearing deposits | 23,384,000 | 28,726,000 | 29,200,000 | 27,005,000 |
| Equity capital | 17,382,000 | 17,578,000 | 18,443,000 | 18,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,492,000 | 5,129,000 | 8,016,000 | 10,870,000 |
| Interest expense | 849,000 | 1,796,000 | 2,910,000 | 4,036,000 |
| Net interest income | 1,643,000 | 3,333,000 | 5,106,000 | 6,834,000 |
| Noninterest income | 340,000 | 686,000 | 1,098,000 | 1,503,000 |
| Noninterest expense | 1,483,000 | 2,928,000 | 4,428,000 | 5,747,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 500,000 | 1,091,000 | 1,776,000 | 2,590,000 |
| Income tax | 92,000 | 218,000 | 372,000 | 545,000 |
| Net income | 408,000 | 873,000 | 1,404,000 | 2,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,959,000 | 17,297,000 | 17,852,000 | 17,871,000 |
| Total capital | 18,419,000 | 18,807,000 | 19,417,000 | 19,490,000 |
| Risk-weighted assets | 115,715,000 | 119,403,000 | 124,339,000 | 128,763,000 |