Call reports 2009
FIRST CENTRAL STATE BANK — 2009
What FIRST CENTRAL STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 233,212,000 | 233,053,000 | 237,410,000 | 245,957,000 |
| Total loans | 168,426,000 | 170,054,000 | 173,994,000 | 174,987,000 |
| Allowance for loan losses | 1,725,000 | 1,688,000 | 1,628,000 | 1,599,000 |
| Securities available for sale | 40,788,000 | 45,090,000 | 48,488,000 | 47,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,883,000 | 178,572,000 | 177,266,000 | 190,720,000 |
| Interest-bearing deposits | 154,571,000 | 158,104,000 | 157,288,000 | 167,969,000 |
| Noninterest-bearing deposits | 20,312,000 | 20,468,000 | 19,978,000 | 22,752,000 |
| Equity capital | 21,455,000 | 21,622,000 | 22,457,000 | 22,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,129,000 | 6,243,000 | 9,404,000 | 12,563,000 |
| Interest expense | 1,224,000 | 2,434,000 | 3,603,000 | 4,768,000 |
| Net interest income | 1,905,000 | 3,809,000 | 5,801,000 | 7,795,000 |
| Noninterest income | 643,000 | 1,336,000 | 1,890,000 | 2,465,000 |
| Noninterest expense | 1,509,000 | 3,100,000 | 4,654,000 | 6,186,000 |
| Provision for loan losses | 60,000 | 120,000 | 255,000 | 440,000 |
| Pretax income | 979,000 | 1,925,000 | 2,782,000 | 3,634,000 |
| Income tax | 313,000 | 609,000 | 868,000 | 1,109,000 |
| Net income | 666,000 | 1,316,000 | 1,914,000 | 2,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,595,000 | 20,846,000 | 21,443,000 | 21,655,000 |
| Total capital | 22,320,000 | 22,534,000 | 23,071,000 | 23,254,000 |
| Risk-weighted assets | 173,220,000 | 175,336,000 | 176,964,000 | 178,177,000 |
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