Call reports 2007
CENTRAL SAVINGS BANK — 2007
What CENTRAL SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 185,423,000 | 190,620,000 | 207,350,000 | 202,630,000 |
| Total loans | 122,496,000 | 130,732,000 | 135,859,000 | 144,039,000 |
| Allowance for loan losses | 2,418,000 | 2,388,000 | 2,389,000 | 2,428,000 |
| Securities available for sale | 38,557,000 | 38,179,000 | 48,380,000 | 39,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,276,000 | 168,786,000 | 184,732,000 | 175,015,000 |
| Interest-bearing deposits | 139,156,000 | 141,339,000 | 154,655,000 | 147,665,000 |
| Noninterest-bearing deposits | 25,120,000 | 27,447,000 | 30,077,000 | 27,350,000 |
| Equity capital | 19,075,000 | 19,216,000 | 20,086,000 | 20,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,846,000 | 5,832,000 | 9,052,000 | 12,309,000 |
| Interest expense | 1,117,000 | 2,340,000 | 3,663,000 | 5,027,000 |
| Net interest income | 1,729,000 | 3,492,000 | 5,389,000 | 7,282,000 |
| Noninterest income | 350,000 | 892,000 | 1,346,000 | 1,744,000 |
| Noninterest expense | 1,448,000 | 3,065,000 | 4,577,000 | 5,946,000 |
| Provision for loan losses | 0 | 22,000 | 45,000 | 108,000 |
| Pretax income | 631,000 | 1,299,000 | 2,115,000 | 2,987,000 |
| Income tax | 137,000 | 285,000 | 479,000 | 798,000 |
| Net income | 494,000 | 1,014,000 | 1,636,000 | 2,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,389,000 | 18,751,000 | 19,398,000 | 19,387,000 |
| Total capital | 20,011,000 | 20,455,000 | 21,250,000 | 21,251,000 |
| Risk-weighted assets | 128,999,000 | 135,660,000 | 147,607,000 | 148,540,000 |