Call reports 2014
FIRST CENTRAL STATE BANK — 2014
What FIRST CENTRAL STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 292,174,000 | 319,024,000 | 318,238,000 | 322,603,000 |
| Total loans | 214,573,000 | 233,037,000 | 233,735,000 | 237,817,000 |
| Allowance for loan losses | 2,399,000 | 2,408,000 | 2,511,000 | 2,400,000 |
| Securities available for sale | 52,812,000 | 55,018,000 | 53,655,000 | 59,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,858,000 | 251,656,000 | 251,252,000 | 251,356,000 |
| Interest-bearing deposits | 188,617,000 | 210,175,000 | 211,457,000 | 211,736,000 |
| Noninterest-bearing deposits | 31,241,000 | 41,481,000 | 39,794,000 | 39,620,000 |
| Equity capital | 31,758,000 | 32,457,000 | 33,495,000 | 33,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,924,000 | 6,131,000 | 9,346,000 | 12,579,000 |
| Interest expense | 562,000 | 1,100,000 | 1,624,000 | 2,145,000 |
| Net interest income | 2,362,000 | 5,031,000 | 7,722,000 | 10,434,000 |
| Noninterest income | 507,000 | 1,062,000 | 1,906,000 | 2,512,000 |
| Noninterest expense | 1,626,000 | 3,439,000 | 5,215,000 | 7,139,000 |
| Provision for loan losses | 110,000 | 142,000 | 247,000 | 352,000 |
| Pretax income | 1,133,000 | 2,512,000 | 4,166,000 | 5,455,000 |
| Income tax | 350,000 | 787,000 | 1,341,000 | 1,751,000 |
| Net income | 783,000 | 1,725,000 | 2,825,000 | 3,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,535,000 | 30,293,000 | 31,394,000 | 31,862,000 |
| Total capital | 33,934,000 | 32,701,000 | 33,905,000 | 34,262,000 |
| Risk-weighted assets | 249,696,000 | 265,898,000 | 267,432,000 | 271,536,000 |
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