Call reports 2019
CENTRAL SAVINGS BANK — 2019
What CENTRAL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 250,793,000 | 262,172,000 | 271,200,000 | 261,739,000 |
| Total loans | 154,474,000 | 158,074,000 | 156,343,000 | 157,752,000 |
| Allowance for loan losses | 2,075,000 | 2,096,000 | 1,925,000 | 1,875,000 |
| Securities available for sale | 65,717,000 | 63,222,000 | 62,692,000 | 66,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,247,000 | 218,268,000 | 233,357,000 | 226,453,000 |
| Interest-bearing deposits | 156,564,000 | 155,716,000 | 164,047,000 | 161,320,000 |
| Noninterest-bearing deposits | 58,683,000 | 62,552,000 | 69,310,000 | 65,133,000 |
| Equity capital | 33,328,000 | 34,559,000 | 35,559,000 | 33,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,557,000 | 5,147,000 | 7,905,000 | 10,525,000 |
| Interest expense | 316,000 | 644,000 | 999,000 | 1,335,000 |
| Net interest income | 2,241,000 | 4,503,000 | 6,906,000 | 9,190,000 |
| Noninterest income | 544,000 | 1,061,000 | 1,656,000 | 2,535,000 |
| Noninterest expense | 1,768,000 | 3,604,000 | 5,492,000 | 7,273,000 |
| Provision for loan losses | 4,000 | 8,000 | 12,000 | 267,000 |
| Pretax income | 1,013,000 | 1,952,000 | 3,062,000 | 4,190,000 |
| Income tax | 210,000 | 389,000 | 611,000 | 803,000 |
| Net income | 803,000 | 1,563,000 | 2,451,000 | 3,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,770,000 | 34,302,000 | 35,190,000 | 32,937,000 |
| Total capital | 35,845,000 | 36,398,000 | 37,115,000 | 34,812,000 |
| Risk-weighted assets | 170,353,000 | 173,363,000 | 170,891,000 | 174,448,000 |