Call reports 2002
FIRST CENTRAL BANK MCCOOK — 2002
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 36,328,000 | 37,626,000 | 40,487,000 | 42,513,000 |
| Total loans | 26,610,000 | 28,388,000 | 30,047,000 | 30,221,000 |
| Allowance for loan losses | 250,000 | 282,000 | 311,000 | 333,000 |
| Securities available for sale | 4,013,000 | 4,456,000 | 5,518,000 | 5,672,000 |
| Securities held to maturity | 651,000 | 651,000 | 651,000 | 701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,683,000 | 30,723,000 | 33,579,000 | 34,887,000 |
| Interest-bearing deposits | 27,717,000 | 28,951,000 | 31,775,000 | 31,170,000 |
| Noninterest-bearing deposits | 1,966,000 | 1,772,000 | 1,804,000 | 3,717,000 |
| Equity capital | 2,789,000 | 2,820,000 | 2,893,000 | 3,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 607,000 | 1,202,000 | 1,843,000 | 2,515,000 |
| Interest expense | 318,000 | 619,000 | 921,000 | 1,227,000 |
| Net interest income | 289,000 | 583,000 | 922,000 | 1,288,000 |
| Noninterest income | 45,000 | 100,000 | 152,000 | 204,000 |
| Noninterest expense | 231,000 | 476,000 | 750,000 | 1,032,000 |
| Provision for loan losses | 25,000 | 70,000 | 125,000 | 170,000 |
| Pretax income | 78,000 | 137,000 | 199,000 | 292,000 |
| Income tax | 27,000 | 46,000 | 67,000 | 97,000 |
| Net income | 51,000 | 91,000 | 132,000 | 195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,747,000 | 2,786,000 | 2,828,000 | 3,390,000 |
| Total capital | 2,997,000 | 3,068,000 | 3,139,000 | 3,723,000 |
| Risk-weighted assets | 28,426,000 | 30,364,000 | 32,389,000 | 32,995,000 |