Call reports 2015
CENTRAL SAVINGS BANK — 2015
What CENTRAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 243,447,000 | 238,130,000 | 258,730,000 | 246,096,000 |
| Total loans | 129,568,000 | 135,302,000 | 135,145,000 | 137,275,000 |
| Allowance for loan losses | 2,489,000 | 2,341,000 | 2,210,000 | 1,943,000 |
| Securities available for sale | 83,613,000 | 78,685,000 | 74,492,000 | 77,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,369,000 | 204,394,000 | 227,009,000 | 214,594,000 |
| Interest-bearing deposits | 157,782,000 | 150,544,000 | 165,662,000 | 158,638,000 |
| Noninterest-bearing deposits | 53,587,000 | 53,850,000 | 61,347,000 | 55,956,000 |
| Equity capital | 29,798,000 | 28,784,000 | 29,450,000 | 29,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,113,000 | 4,277,000 | 6,436,000 | 8,675,000 |
| Interest expense | 303,000 | 597,000 | 902,000 | 1,200,000 |
| Net interest income | 1,810,000 | 3,680,000 | 5,534,000 | 7,475,000 |
| Noninterest income | 499,000 | 1,002,000 | 1,485,000 | 1,846,000 |
| Noninterest expense | 1,705,000 | 3,445,000 | 5,144,000 | 6,655,000 |
| Provision for loan losses | 31,000 | 71,000 | 132,000 | 243,000 |
| Pretax income | 574,000 | 1,189,000 | 1,779,000 | 2,463,000 |
| Income tax | 116,000 | 233,000 | 384,000 | 490,000 |
| Net income | 458,000 | 956,000 | 1,395,000 | 1,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,111,000 | 28,430,000 | 28,850,000 | 29,124,000 |
| Total capital | 31,068,000 | 30,441,000 | 30,869,000 | 31,067,000 |
| Risk-weighted assets | 156,628,000 | 160,581,000 | 161,344,000 | 161,238,000 |