Call reports 2012
FIRST CENTRAL STATE BANK — 2012
What FIRST CENTRAL STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 281,770,000 | 271,920,000 | 273,429,000 | 288,129,000 |
| Total loans | 189,938,000 | 192,752,000 | 198,426,000 | 205,064,000 |
| Allowance for loan losses | 1,987,000 | 2,045,000 | 2,089,000 | 2,092,000 |
| Securities available for sale | 56,309,000 | 54,023,000 | 53,302,000 | 55,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,038,000 | 209,924,000 | 205,855,000 | 217,752,000 |
| Interest-bearing deposits | 188,163,000 | 182,256,000 | 178,471,000 | 184,580,000 |
| Noninterest-bearing deposits | 27,875,000 | 27,668,000 | 27,383,000 | 33,171,000 |
| Equity capital | 27,066,000 | 27,505,000 | 28,497,000 | 28,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,064,000 | 6,080,000 | 9,134,000 | 12,192,000 |
| Interest expense | 875,000 | 1,651,000 | 2,380,000 | 3,111,000 |
| Net interest income | 2,189,000 | 4,429,000 | 6,754,000 | 9,081,000 |
| Noninterest income | 661,000 | 1,302,000 | 2,040,000 | 2,655,000 |
| Noninterest expense | 1,537,000 | 3,005,000 | 4,525,000 | 5,927,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,163,000 | 2,426,000 | 3,819,000 | 5,209,000 |
| Income tax | 370,000 | 780,000 | 1,239,000 | 1,695,000 |
| Net income | 793,000 | 1,646,000 | 2,580,000 | 3,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,271,000 | 26,690,000 | 27,624,000 | 27,815,000 |
| Total capital | 28,258,000 | 28,735,000 | 29,713,000 | 29,907,000 |
| Risk-weighted assets | 204,496,000 | 222,050,000 | 226,827,000 | 235,111,000 |
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