Call reports 2004
FIRST CENTRAL BANK MCCOOK — 2004
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 40,848,000 | 40,173,000 | 40,285,000 | 42,154,000 |
| Total loans | 31,605,000 | 30,785,000 | 29,971,000 | 28,533,000 |
| Allowance for loan losses | 569,000 | 593,000 | 610,000 | 620,000 |
| Securities available for sale | 4,290,000 | 5,162,000 | 5,224,000 | 4,821,000 |
| Securities held to maturity | 736,000 | 785,000 | 785,000 | 1,321,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,799,000 | 31,715,000 | 31,632,000 | 33,918,000 |
| Interest-bearing deposits | 30,282,000 | 29,131,000 | 28,857,000 | 28,057,000 |
| Noninterest-bearing deposits | 2,517,000 | 2,584,000 | 2,775,000 | 5,860,000 |
| Equity capital | 3,676,000 | 3,665,000 | 3,802,000 | 3,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,263,000 | 1,889,000 | 2,520,000 |
| Interest expense | 205,000 | 404,000 | 603,000 | 816,000 |
| Net interest income | 422,000 | 859,000 | 1,286,000 | 1,704,000 |
| Noninterest income | 58,000 | 110,000 | 196,000 | 286,000 |
| Noninterest expense | 301,000 | 647,000 | 998,000 | 1,302,000 |
| Provision for loan losses | 30,000 | 55,000 | 70,000 | 80,000 |
| Pretax income | 146,000 | 264,000 | 411,000 | 605,000 |
| Income tax | 47,000 | 86,000 | 137,000 | 202,000 |
| Net income | 99,000 | 178,000 | 274,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,630,000 | 3,702,000 | 3,797,000 | 3,926,000 |
| Total capital | 4,076,000 | 4,118,000 | 4,207,000 | 4,328,000 |
| Risk-weighted assets | 35,568,000 | 33,104,000 | 32,581,000 | 31,914,000 |