Call reports 2016
CENTRAL SAVINGS BANK — 2016
What CENTRAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 242,922,000 | 243,696,000 | 260,100,000 | 258,769,000 |
| Total loans | 137,725,000 | 141,763,000 | 141,631,000 | 142,296,000 |
| Allowance for loan losses | 1,912,000 | 1,960,000 | 1,999,000 | 1,679,000 |
| Securities available for sale | 72,587,000 | 70,586,000 | 74,030,000 | 78,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,495,000 | 210,783,000 | 226,540,000 | 226,459,000 |
| Interest-bearing deposits | 156,062,000 | 149,655,000 | 166,053,000 | 164,748,000 |
| Noninterest-bearing deposits | 54,433,000 | 61,128,000 | 60,487,000 | 61,711,000 |
| Equity capital | 30,362,000 | 30,788,000 | 31,418,000 | 30,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,182,000 | 4,480,000 | 6,764,000 | 9,051,000 |
| Interest expense | 275,000 | 539,000 | 807,000 | 1,072,000 |
| Net interest income | 1,907,000 | 3,941,000 | 5,957,000 | 7,979,000 |
| Noninterest income | 585,000 | 1,044,000 | 1,580,000 | 1,872,000 |
| Noninterest expense | 1,798,000 | 3,718,000 | 5,469,000 | 6,877,000 |
| Provision for loan losses | 61,000 | 121,000 | 183,000 | 414,000 |
| Pretax income | 679,000 | 1,232,000 | 1,976,000 | 2,677,000 |
| Income tax | 132,000 | 262,000 | 428,000 | 591,000 |
| Net income | 547,000 | 970,000 | 1,548,000 | 2,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,694,000 | 30,048,000 | 30,738,000 | 30,677,000 |
| Total capital | 31,606,000 | 32,008,000 | 32,737,000 | 32,356,000 |
| Risk-weighted assets | 161,572,000 | 163,839,000 | 166,625,000 | 165,099,000 |