Call reports 2011
FIRST CENTRAL STATE BANK — 2011
What FIRST CENTRAL STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 261,855,000 | 266,725,000 | 271,169,000 | 268,736,000 |
| Total loans | 186,779,000 | 188,598,000 | 194,687,000 | 193,785,000 |
| Allowance for loan losses | 1,775,000 | 1,888,000 | 1,964,000 | 1,841,000 |
| Securities available for sale | 57,009,000 | 59,010,000 | 57,656,000 | 55,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,475,000 | 204,851,000 | 199,976,000 | 207,236,000 |
| Interest-bearing deposits | 175,950,000 | 181,169,000 | 176,033,000 | 181,173,000 |
| Noninterest-bearing deposits | 22,525,000 | 23,682,000 | 23,943,000 | 26,063,000 |
| Equity capital | 24,512,000 | 25,142,000 | 26,128,000 | 26,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,095,000 | 6,245,000 | 9,416,000 | 12,605,000 |
| Interest expense | 1,000,000 | 2,015,000 | 2,983,000 | 3,897,000 |
| Net interest income | 2,095,000 | 4,230,000 | 6,433,000 | 8,708,000 |
| Noninterest income | 520,000 | 1,128,000 | 1,691,000 | 2,198,000 |
| Noninterest expense | 1,549,000 | 3,114,000 | 4,649,000 | 6,230,000 |
| Provision for loan losses | 150,000 | 300,000 | 430,000 | 530,000 |
| Pretax income | 916,000 | 1,944,000 | 3,045,000 | 4,146,000 |
| Income tax | 279,000 | 595,000 | 944,000 | 1,293,000 |
| Net income | 637,000 | 1,349,000 | 2,101,000 | 2,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,096,000 | 24,407,000 | 25,160,000 | 25,478,000 |
| Total capital | 25,871,000 | 26,295,000 | 27,124,000 | 27,319,000 |
| Risk-weighted assets | 189,095,000 | 190,312,000 | 206,367,000 | 204,378,000 |
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