Call reports 2012
CENTRAL SAVINGS BANK — 2012
What CENTRAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 254,552,000 | 245,050,000 | 257,230,000 | 242,471,000 |
| Total loans | 138,638,000 | 139,767,000 | 135,324,000 | 133,205,000 |
| Allowance for loan losses | 3,794,000 | 3,740,000 | 3,804,000 | 3,677,000 |
| Securities available for sale | 53,004,000 | 49,489,000 | 60,677,000 | 60,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,659,000 | 210,655,000 | 222,116,000 | 207,679,000 |
| Interest-bearing deposits | 154,296,000 | 147,261,000 | 151,080,000 | 148,168,000 |
| Noninterest-bearing deposits | 66,363,000 | 63,394,000 | 71,036,000 | 59,511,000 |
| Equity capital | 25,517,000 | 25,859,000 | 26,530,000 | 26,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,484,000 | 4,841,000 | 7,245,000 | 9,520,000 |
| Interest expense | 581,000 | 1,131,000 | 1,662,000 | 2,180,000 |
| Net interest income | 1,903,000 | 3,710,000 | 5,583,000 | 7,340,000 |
| Noninterest income | 440,000 | 969,000 | 1,598,000 | 2,151,000 |
| Noninterest expense | 1,754,000 | 3,499,000 | 5,255,000 | 6,910,000 |
| Provision for loan losses | 46,000 | 131,000 | 197,000 | 318,000 |
| Pretax income | 441,000 | 930,000 | 1,625,000 | 2,158,000 |
| Income tax | 53,000 | 121,000 | 261,000 | 269,000 |
| Net income | 388,000 | 809,000 | 1,364,000 | 1,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,377,000 | 24,636,000 | 25,309,000 | 25,547,000 |
| Total capital | 26,303,000 | 26,570,000 | 27,239,000 | 27,484,000 |
| Risk-weighted assets | 152,350,000 | 153,181,000 | 152,595,000 | 153,195,000 |