Call reports 2016
FIRST CENTRAL STATE BANK — 2016
What FIRST CENTRAL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 348,027,000 | 348,933,000 | 350,188,000 | 368,450,000 |
| Total loans | 250,165,000 | 252,462,000 | 253,323,000 | 255,545,000 |
| Allowance for loan losses | 2,767,000 | 2,866,000 | 2,965,000 | 3,023,000 |
| Securities available for sale | 60,561,000 | 67,652,000 | 66,801,000 | 71,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,808,000 | 273,227,000 | 269,811,000 | 292,003,000 |
| Interest-bearing deposits | 226,957,000 | 225,893,000 | 218,035,000 | 227,300,000 |
| Noninterest-bearing deposits | 46,851,000 | 47,334,000 | 51,776,000 | 64,703,000 |
| Equity capital | 37,874,000 | 38,700,000 | 39,531,000 | 39,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,285,000 | 6,652,000 | 10,020,000 | 13,405,000 |
| Interest expense | 552,000 | 1,116,000 | 1,659,000 | 2,212,000 |
| Net interest income | 2,733,000 | 5,536,000 | 8,361,000 | 11,193,000 |
| Noninterest income | 564,000 | 1,211,000 | 1,959,000 | 2,708,000 |
| Noninterest expense | 1,822,000 | 3,663,000 | 5,555,000 | 7,585,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,370,000 | 2,874,000 | 4,450,000 | 5,896,000 |
| Income tax | 433,000 | 940,000 | 1,460,000 | 1,929,000 |
| Net income | 937,000 | 1,934,000 | 2,990,000 | 3,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,936,000 | 36,513,000 | 37,583,000 | 38,047,000 |
| Total capital | 38,703,000 | 39,379,000 | 40,548,000 | 41,070,000 |
| Risk-weighted assets | 280,668,000 | 280,909,000 | 287,229,000 | 297,555,000 |