Call reports 2020
CENTRAL SAVINGS BANK — 2020
What CENTRAL SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 264,409,000 | 314,147,000 | 345,904,000 | 328,036,000 |
| Total loans | 158,526,000 | 177,382,000 | 180,943,000 | 182,178,000 |
| Allowance for loan losses | 1,969,000 | 2,108,000 | 2,520,000 | 3,298,000 |
| Securities available for sale | 68,600,000 | 81,103,000 | 100,036,000 | 109,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,908,000 | 275,945,000 | 307,215,000 | 293,226,000 |
| Interest-bearing deposits | 164,657,000 | 168,256,000 | 190,587,000 | 185,241,000 |
| Noninterest-bearing deposits | 63,251,000 | 107,689,000 | 116,628,000 | 107,985,000 |
| Equity capital | 34,377,000 | 35,388,000 | 36,541,000 | 32,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,566,000 | 5,162,000 | 7,989,000 | 11,031,000 |
| Interest expense | 323,000 | 565,000 | 802,000 | 1,039,000 |
| Net interest income | 2,243,000 | 4,597,000 | 7,187,000 | 9,992,000 |
| Noninterest income | 537,000 | 1,332,000 | 2,125,000 | 2,840,000 |
| Noninterest expense | 1,761,000 | 3,642,000 | 5,563,000 | 7,351,000 |
| Provision for loan losses | 85,000 | 232,000 | 640,000 | 1,599,000 |
| Pretax income | 772,000 | 1,942,000 | 3,113,000 | 3,988,000 |
| Income tax | 153,000 | 406,000 | 637,000 | 826,000 |
| Net income | 619,000 | 1,536,000 | 2,476,000 | 3,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,556,000 | 34,246,000 | 35,182,000 | 31,435,000 |