Call reports 2015
FIRST CENTRAL STATE BANK — 2015
What FIRST CENTRAL STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 336,137,000 | 329,344,000 | 331,410,000 | 354,572,000 |
| Total loans | 241,632,000 | 241,515,000 | 244,649,000 | 249,522,000 |
| Allowance for loan losses | 2,506,000 | 2,499,000 | 2,552,000 | 2,668,000 |
| Securities available for sale | 63,743,000 | 61,169,000 | 58,736,000 | 58,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,186,000 | 260,200,000 | 255,983,000 | 283,117,000 |
| Interest-bearing deposits | 222,077,000 | 216,940,000 | 212,187,000 | 225,301,000 |
| Noninterest-bearing deposits | 40,109,000 | 43,260,000 | 43,796,000 | 57,816,000 |
| Equity capital | 34,937,000 | 35,186,000 | 36,344,000 | 36,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,144,000 | 6,366,000 | 9,630,000 | 12,937,000 |
| Interest expense | 559,000 | 1,103,000 | 1,631,000 | 2,178,000 |
| Net interest income | 2,585,000 | 5,263,000 | 7,999,000 | 10,759,000 |
| Noninterest income | 618,000 | 1,208,000 | 1,852,000 | 2,486,000 |
| Noninterest expense | 1,767,000 | 3,571,000 | 5,418,000 | 7,297,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 405,000 |
| Pretax income | 1,331,000 | 2,690,000 | 4,118,000 | 5,543,000 |
| Income tax | 435,000 | 865,000 | 1,329,000 | 1,803,000 |
| Net income | 896,000 | 1,825,000 | 2,789,000 | 3,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,028,000 | 33,556,000 | 34,529,000 | 35,055,000 |
| Total capital | 35,534,000 | 36,055,000 | 37,081,000 | 37,723,000 |
| Risk-weighted assets | 279,626,000 | 273,080,000 | 267,275,000 | 275,663,000 |