Call reports 2003
FIRST CENTRAL BANK MCCOOK — 2003
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,214,000 | 41,376,000 | 41,147,000 | 42,072,000 |
| Total loans | 30,026,000 | 30,755,000 | 31,195,000 | 30,815,000 |
| Allowance for loan losses | 352,000 | 598,000 | 630,000 | 588,000 |
| Securities available for sale | 4,908,000 | 4,562,000 | 4,489,000 | 4,580,000 |
| Securities held to maturity | 701,000 | 701,000 | 700,000 | 601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,281,000 | 33,620,000 | 32,674,000 | 34,223,000 |
| Interest-bearing deposits | 31,287,000 | 31,292,000 | 29,929,000 | 29,329,000 |
| Noninterest-bearing deposits | 1,994,000 | 2,328,000 | 2,745,000 | 4,894,000 |
| Equity capital | 3,487,000 | 3,369,000 | 3,440,000 | 3,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 631,000 | 1,238,000 | 1,859,000 | 2,518,000 |
| Interest expense | 278,000 | 548,000 | 800,000 | 1,026,000 |
| Net interest income | 353,000 | 690,000 | 1,059,000 | 1,492,000 |
| Noninterest income | 63,000 | 133,000 | 187,000 | 245,000 |
| Noninterest expense | 294,000 | 597,000 | 875,000 | 1,173,000 |
| Provision for loan losses | 34,000 | 344,000 | 349,000 | 359,000 |
| Pretax income | 76,000 | -130,000 | 10,000 | 192,000 |
| Income tax | 30,000 | -53,000 | 2,000 | 59,000 |
| Net income | 46,000 | -77,000 | 8,000 | 133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,435,000 | 3,313,000 | 3,397,000 | 3,523,000 |
| Total capital | 3,787,000 | 3,730,000 | 3,817,000 | 3,942,000 |
| Risk-weighted assets | 32,586,000 | 33,171,000 | 33,425,000 | 33,304,000 |