Call reports 2015
FIRST CENTURY BANK, INC. — 2015
What FIRST CENTURY BANK, INC. 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 | 412,188,000 | 406,230,000 | 409,698,000 | 406,119,000 |
| Total loans | 238,990,000 | 235,955,000 | 234,516,000 | 234,234,000 |
| Allowance for loan losses | 3,077,000 | 3,077,000 | 3,277,000 | 3,552,000 |
| Securities available for sale | 76,901,000 | 72,034,000 | 80,728,000 | 77,535,000 |
| Securities held to maturity | 32,576,000 | 34,521,000 | 34,701,000 | 34,632,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,625,000 | 351,964,000 | 354,135,000 | 350,874,000 |
| Interest-bearing deposits | 291,012,000 | 290,696,000 | 288,679,000 | 291,435,000 |
| Noninterest-bearing deposits | 62,613,000 | 61,268,000 | 65,456,000 | 59,439,000 |
| Equity capital | 43,915,000 | 43,827,000 | 44,681,000 | 44,001,000 |
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 | 3,397,000 | 6,750,000 | 10,594,000 | 13,924,000 |
| Interest expense | 279,000 | 559,000 | 843,000 | 1,123,000 |
| Net interest income | 3,118,000 | 6,191,000 | 9,751,000 | 12,801,000 |
| Noninterest income | 1,232,000 | 2,416,000 | 3,883,000 | 4,439,000 |
| Noninterest expense | 3,997,000 | 7,347,000 | 10,706,000 | 13,445,000 |
| Provision for loan losses | -326,000 | -302,000 | -128,000 | 283,000 |
| Pretax income | 679,000 | 1,562,000 | 3,056,000 | 3,552,000 |
| Income tax | 213,000 | 486,000 | 992,000 | 1,106,000 |
| Net income | 466,000 | 1,076,000 | 2,064,000 | 2,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,760,000 | 43,870,000 | 44,458,000 | 44,340,000 |
| Total capital | 46,847,000 | 46,847,000 | 47,400,000 | 47,415,000 |
| Risk-weighted assets | 269,054,000 | 238,026,000 | 235,013,000 | 245,551,000 |