Call reports 2009
CENTRAL SAVINGS BANK — 2009
What CENTRAL SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 218,519,000 | 222,020,000 | 232,268,000 | 214,798,000 |
| Total loans | 147,806,000 | 143,669,000 | 141,868,000 | 139,563,000 |
| Allowance for loan losses | 3,998,000 | 4,673,000 | 4,743,000 | 4,735,000 |
| Securities available for sale | 42,540,000 | 41,101,000 | 41,685,000 | 38,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,402,000 | 182,939,000 | 202,387,000 | 184,891,000 |
| Interest-bearing deposits | 155,329,000 | 153,341,000 | 172,349,000 | 159,071,000 |
| Noninterest-bearing deposits | 24,073,000 | 29,598,000 | 30,038,000 | 25,820,000 |
| Equity capital | 20,520,000 | 20,898,000 | 21,590,000 | 21,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,980,000 | 6,026,000 | 8,810,000 | 11,348,000 |
| Interest expense | 985,000 | 1,914,000 | 2,780,000 | 3,583,000 |
| Net interest income | 1,995,000 | 4,112,000 | 6,030,000 | 7,765,000 |
| Noninterest income | 512,000 | 1,141,000 | 2,180,000 | 2,857,000 |
| Noninterest expense | 1,616,000 | 3,314,000 | 5,698,000 | 7,582,000 |
| Provision for loan losses | 58,000 | 822,000 | 913,000 | 1,039,000 |
| Pretax income | 833,000 | 1,117,000 | 1,599,000 | 2,001,000 |
| Income tax | 44,000 | -46,000 | 59,000 | -22,000 |
| Net income | 789,000 | 1,163,000 | 1,540,000 | 2,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,723,000 | 20,120,000 | 20,520,000 | 21,025,000 |
| Total capital | 21,667,000 | 22,039,000 | 22,431,000 | 22,909,000 |
| Risk-weighted assets | 153,528,000 | 150,799,000 | 150,069,000 | 147,811,000 |