Call reports 2024
FIRST CENTRAL STATE BANK — 2024
What FIRST CENTRAL STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 694,537,000 | 707,201,000 | 711,882,000 | 726,192,000 |
| Total loans | 423,854,000 | 427,030,000 | 436,314,000 | 447,937,000 |
| Allowance for loan losses | 5,431,000 | 5,195,000 | 5,314,000 | 5,361,000 |
| Securities available for sale | 232,039,000 | 232,841,000 | 236,328,000 | 235,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,767,000 | 554,663,000 | 550,516,000 | 573,214,000 |
| Interest-bearing deposits | 429,994,000 | 439,398,000 | 436,679,000 | 449,766,000 |
| Noninterest-bearing deposits | 112,773,000 | 115,265,000 | 113,837,000 | 123,448,000 |
| Equity capital | 76,565,000 | 76,747,000 | 83,850,000 | 81,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 7,658,000 | 15,660,000 | 23,937,000 | 32,439,000 |
| Interest expense | 3,056,000 | 6,281,000 | 9,633,000 | 13,060,000 |
| Net interest income | 4,602,000 | 9,379,000 | 14,304,000 | 19,379,000 |
| Noninterest income | 916,000 | 1,886,000 | 2,926,000 | 3,915,000 |
| Noninterest expense | 3,354,000 | 6,779,000 | 10,294,000 | 13,798,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 2,106,000 | 4,363,000 | 6,754,000 | 9,258,000 |
| Income tax | 420,000 | 875,000 | 1,346,000 | 1,846,000 |
| Net income | 1,686,000 | 3,488,000 | 5,408,000 | 7,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,622,000 | 90,438,000 | 92,358,000 | 93,369,000 |