Call reports 2014
CENTRAL SAVINGS BANK — 2014
What CENTRAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 247,991,000 | 237,220,000 | 252,125,000 | 238,486,000 |
| Total loans | 129,984,000 | 131,172,000 | 129,774,000 | 127,862,000 |
| Allowance for loan losses | 3,121,000 | 2,598,000 | 2,611,000 | 2,460,000 |
| Securities available for sale | 75,466,000 | 74,995,000 | 78,625,000 | 80,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,196,000 | 206,945,000 | 221,181,000 | 207,524,000 |
| Interest-bearing deposits | 165,461,000 | 156,828,000 | 167,054,000 | 159,144,000 |
| Noninterest-bearing deposits | 46,735,000 | 50,117,000 | 54,127,000 | 48,380,000 |
| Equity capital | 27,615,000 | 28,108,000 | 28,632,000 | 28,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,093,000 | 4,227,000 | 6,464,000 | 8,608,000 |
| Interest expense | 384,000 | 722,000 | 1,032,000 | 1,346,000 |
| Net interest income | 1,709,000 | 3,505,000 | 5,432,000 | 7,262,000 |
| Noninterest income | 421,000 | 772,000 | 1,223,000 | 1,767,000 |
| Noninterest expense | 1,699,000 | 3,383,000 | 5,108,000 | 6,632,000 |
| Provision for loan losses | 20,000 | 20,000 | 51,000 | 81,000 |
| Pretax income | 418,000 | 873,000 | 1,498,000 | 2,320,000 |
| Income tax | 46,000 | 100,000 | 214,000 | 436,000 |
| Net income | 372,000 | 773,000 | 1,284,000 | 1,884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,436,000 | 27,779,000 | 28,297,000 | 28,578,000 |
| Total capital | 29,350,000 | 29,651,000 | 30,168,000 | 30,420,000 |
| Risk-weighted assets | 151,889,000 | 149,035,000 | 148,932,000 | 146,760,000 |