Call reports 2008
FIRST CENTRAL STATE BANK — 2008
What FIRST CENTRAL STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 216,642,000 | 213,410,000 | 218,030,000 | 224,040,000 |
| Total loans | 153,513,000 | 154,899,000 | 160,384,000 | 166,277,000 |
| Allowance for loan losses | 1,618,000 | 1,642,000 | 1,668,000 | 1,663,000 |
| Securities available for sale | 42,434,000 | 40,770,000 | 40,231,000 | 41,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,692,000 | 167,446,000 | 166,528,000 | 172,011,000 |
| Interest-bearing deposits | 145,497,000 | 147,401,000 | 146,045,000 | 149,874,000 |
| Noninterest-bearing deposits | 20,195,000 | 20,045,000 | 20,483,000 | 22,137,000 |
| Equity capital | 19,792,000 | 19,445,000 | 20,005,000 | 20,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,373,000 | 6,654,000 | 9,885,000 | 13,127,000 |
| Interest expense | 1,646,000 | 3,131,000 | 4,543,000 | 5,921,000 |
| Net interest income | 1,727,000 | 3,523,000 | 5,342,000 | 7,206,000 |
| Noninterest income | 565,000 | 1,092,000 | 1,616,000 | 2,134,000 |
| Noninterest expense | 1,401,000 | 2,762,000 | 4,191,000 | 5,574,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 831,000 | 1,733,000 | 2,587,000 | 3,526,000 |
| Income tax | 263,000 | 551,000 | 825,000 | 1,113,000 |
| Net income | 568,000 | 1,182,000 | 1,762,000 | 2,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,881,000 | 19,044,000 | 19,625,000 | 19,930,000 |
| Total capital | 20,499,000 | 20,686,000 | 21,293,000 | 21,593,000 |
| Risk-weighted assets | 160,164,000 | 160,350,000 | 164,500,000 | 169,547,000 |
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