Call reports 2010
CENTRAL SAVINGS BANK — 2010
What CENTRAL SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 232,520,000 | 229,383,000 | 241,318,000 | 231,585,000 |
| Total loans | 136,674,000 | 135,131,000 | 136,811,000 | 132,061,000 |
| Allowance for loan losses | 4,758,000 | 4,259,000 | 4,289,000 | 4,081,000 |
| Securities available for sale | 39,937,000 | 46,355,000 | 48,934,000 | 50,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,115,000 | 198,756,000 | 209,612,000 | 200,137,000 |
| Interest-bearing deposits | 178,071,000 | 169,400,000 | 179,054,000 | 172,007,000 |
| Noninterest-bearing deposits | 24,044,000 | 29,356,000 | 30,558,000 | 28,130,000 |
| Equity capital | 22,292,000 | 22,452,000 | 23,183,000 | 23,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,505,000 | 5,122,000 | 7,758,000 | 10,343,000 |
| Interest expense | 768,000 | 1,473,000 | 2,127,000 | 2,759,000 |
| Net interest income | 1,737,000 | 3,649,000 | 5,631,000 | 7,584,000 |
| Noninterest income | 438,000 | 861,000 | 1,361,000 | 1,838,000 |
| Noninterest expense | 1,743,000 | 3,484,000 | 5,342,000 | 6,883,000 |
| Provision for loan losses | 30,000 | 400,000 | 431,000 | 462,000 |
| Pretax income | 402,000 | 626,000 | 1,219,000 | 2,077,000 |
| Income tax | 37,000 | 0 | 109,000 | 262,000 |
| Net income | 365,000 | 626,000 | 1,110,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,212,000 | 21,270,000 | 21,899,000 | 22,412,000 |
| Total capital | 23,064,000 | 23,140,000 | 23,778,000 | 24,253,000 |
| Risk-weighted assets | 145,094,000 | 146,880,000 | 147,782,000 | 144,783,000 |