Call reports 2013
CENTRAL SAVINGS BANK — 2013
What CENTRAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 242,599,000 | 236,437,000 | 256,056,000 | 240,673,000 |
| Total loans | 132,176,000 | 133,140,000 | 132,464,000 | 132,308,000 |
| Allowance for loan losses | 3,440,000 | 3,486,000 | 3,504,000 | 3,147,000 |
| Securities available for sale | 63,723,000 | 61,563,000 | 67,451,000 | 70,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,238,000 | 201,679,000 | 220,880,000 | 205,630,000 |
| Interest-bearing deposits | 166,520,000 | 154,976,000 | 170,682,000 | 160,948,000 |
| Noninterest-bearing deposits | 40,718,000 | 46,703,000 | 50,198,000 | 44,682,000 |
| Equity capital | 27,193,000 | 26,597,000 | 26,976,000 | 27,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,195,000 | 4,393,000 | 6,603,000 | 8,783,000 |
| Interest expense | 463,000 | 889,000 | 1,312,000 | 1,720,000 |
| Net interest income | 1,732,000 | 3,504,000 | 5,291,000 | 7,063,000 |
| Noninterest income | 467,000 | 952,000 | 1,359,000 | 1,754,000 |
| Noninterest expense | 1,640,000 | 3,357,000 | 5,080,000 | 6,576,000 |
| Provision for loan losses | 45,000 | 96,000 | 157,000 | 198,000 |
| Pretax income | 514,000 | 1,003,000 | 1,538,000 | 2,191,000 |
| Income tax | 73,000 | 141,000 | 223,000 | 331,000 |
| Net income | 441,000 | 862,000 | 1,315,000 | 1,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,171,000 | 26,372,000 | 26,785,000 | 26,930,000 |
| Total capital | 28,110,000 | 28,316,000 | 28,715,000 | 28,853,000 |
| Risk-weighted assets | 153,586,000 | 154,005,000 | 152,848,000 | 152,609,000 |