Call reports 2020
FIRST CENTRAL STATE BANK — 2020
What FIRST CENTRAL STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 575,965,000 | 607,829,000 | 609,649,000 | 654,178,000 |
| Total loans | 379,907,000 | 399,663,000 | 395,209,000 | 393,226,000 |
| Allowance for loan losses | 4,583,000 | 5,394,000 | 5,390,000 | 5,449,000 |
| Securities available for sale | 121,644,000 | 122,006,000 | 143,882,000 | 166,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 440,540,000 | 469,943,000 | 469,796,000 | 508,434,000 |
| Interest-bearing deposits | 362,876,000 | 372,650,000 | 368,613,000 | 394,529,000 |
| Noninterest-bearing deposits | 77,664,000 | 97,293,000 | 101,183,000 | 113,905,000 |
| Equity capital | 71,605,000 | 72,921,000 | 74,632,000 | 75,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,744,000 | 12,155,000 | 17,454,000 | 22,694,000 |
| Interest expense | 1,449,000 | 2,586,000 | 3,599,000 | 4,554,000 |
| Net interest income | 4,295,000 | 9,569,000 | 13,855,000 | 18,140,000 |
| Noninterest income | 812,000 | 1,652,000 | 2,547,000 | 3,461,000 |
| Noninterest expense | 3,071,000 | 6,259,000 | 9,248,000 | 12,120,000 |
| Provision for loan losses | 110,000 | 1,000,000 | 1,060,000 | 1,120,000 |
| Pretax income | 1,926,000 | 3,962,000 | 6,094,000 | 8,361,000 |
| Income tax | 396,000 | 815,000 | 1,259,000 | 1,732,000 |
| Net income | 1,530,000 | 3,147,000 | 4,835,000 | 6,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,858,000 | 67,637,000 | 69,325,000 | 70,282,000 |
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