Call reports 2008
CENTRAL SAVINGS BANK — 2008
What CENTRAL SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 205,593,000 | 215,390,000 | 226,738,000 | 215,836,000 |
| Total loans | 145,599,000 | 155,638,000 | 156,224,000 | 155,335,000 |
| Allowance for loan losses | 2,562,000 | 2,524,000 | 2,498,000 | 3,986,000 |
| Securities available for sale | 39,346,000 | 37,587,000 | 40,583,000 | 39,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,191,000 | 169,330,000 | 180,118,000 | 174,111,000 |
| Interest-bearing deposits | 147,251,000 | 140,558,000 | 150,244,000 | 147,339,000 |
| Noninterest-bearing deposits | 25,940,000 | 28,772,000 | 29,874,000 | 26,772,000 |
| Equity capital | 19,916,000 | 19,983,000 | 20,595,000 | 19,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,206,000 | 6,353,000 | 9,542,000 | 12,697,000 |
| Interest expense | 1,255,000 | 2,367,000 | 3,493,000 | 4,572,000 |
| Net interest income | 1,951,000 | 3,986,000 | 6,049,000 | 8,125,000 |
| Noninterest income | 358,000 | 744,000 | 1,209,000 | 1,642,000 |
| Noninterest expense | 1,519,000 | 3,023,000 | 4,613,000 | 6,093,000 |
| Provision for loan losses | 134,000 | 176,000 | 204,000 | 1,847,000 |
| Pretax income | 656,000 | 1,531,000 | 2,441,000 | 1,827,000 |
| Income tax | 134,000 | 340,000 | 561,000 | 430,000 |
| Net income | 522,000 | 1,191,000 | 1,880,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,808,000 | 19,187,000 | 20,027,000 | 18,910,000 |
| Total capital | 20,664,000 | 21,162,000 | 22,058,000 | 20,864,000 |
| Risk-weighted assets | 147,734,000 | 157,303,000 | 161,972,000 | 156,271,000 |