Call reports 2013
FIRST CENTRAL STATE BANK — 2013
What FIRST CENTRAL STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 282,974,000 | 279,725,000 | 280,218,000 | 288,027,000 |
| Total loans | 201,006,000 | 204,986,000 | 210,683,000 | 214,954,000 |
| Allowance for loan losses | 2,245,000 | 2,238,000 | 2,248,000 | 2,242,000 |
| Securities available for sale | 53,706,000 | 51,424,000 | 47,788,000 | 52,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,459,000 | 206,583,000 | 211,648,000 | 218,480,000 |
| Interest-bearing deposits | 185,856,000 | 177,485,000 | 180,828,000 | 188,783,000 |
| Noninterest-bearing deposits | 30,603,000 | 29,099,000 | 30,820,000 | 29,697,000 |
| Equity capital | 29,304,000 | 29,372,000 | 30,324,000 | 30,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,966,000 | 5,916,000 | 8,908,000 | 11,930,000 |
| Interest expense | 649,000 | 1,274,000 | 1,871,000 | 2,465,000 |
| Net interest income | 2,317,000 | 4,642,000 | 7,037,000 | 9,465,000 |
| Noninterest income | 571,000 | 1,133,000 | 1,736,000 | 2,247,000 |
| Noninterest expense | 1,512,000 | 3,008,000 | 4,568,000 | 6,097,000 |
| Provision for loan losses | 120,000 | 220,000 | 300,000 | 350,000 |
| Pretax income | 1,256,000 | 2,564,000 | 3,922,000 | 5,282,000 |
| Income tax | 409,000 | 839,000 | 1,290,000 | 1,740,000 |
| Net income | 847,000 | 1,725,000 | 2,632,000 | 3,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,661,000 | 29,136,000 | 30,043,000 | 30,752,000 |
| Total capital | 30,906,000 | 31,374,000 | 32,291,000 | 32,994,000 |
| Risk-weighted assets | 233,540,000 | 234,871,000 | 239,915,000 | 251,186,000 |
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