Call reports 2005
FIRST CENTRAL BANK MCCOOK — 2005
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 38,314,000 | 38,834,000 | 39,453,000 | 41,579,000 |
| Total loans | 28,153,000 | 29,712,000 | 29,584,000 | 28,686,000 |
| Allowance for loan losses | 557,000 | 555,000 | 621,000 | 621,000 |
| Securities available for sale | 4,785,000 | 4,794,000 | 4,759,000 | 5,134,000 |
| Securities held to maturity | 1,321,000 | 1,470,000 | 1,521,000 | 1,421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,766,000 | 29,989,000 | 30,148,000 | 33,030,000 |
| Interest-bearing deposits | 26,720,000 | 27,491,000 | 27,731,000 | 26,925,000 |
| Noninterest-bearing deposits | 3,046,000 | 2,498,000 | 2,417,000 | 6,105,000 |
| Equity capital | 3,991,000 | 4,091,000 | 4,138,000 | 4,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 598,000 | 1,231,000 | 1,887,000 | 2,544,000 |
| Interest expense | 206,000 | 435,000 | 693,000 | 952,000 |
| Net interest income | 392,000 | 796,000 | 1,194,000 | 1,592,000 |
| Noninterest income | 63,000 | 162,000 | 217,000 | 283,000 |
| Noninterest expense | 326,000 | 676,000 | 1,028,000 | 1,343,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 282,000 | 383,000 | 532,000 |
| Income tax | 38,000 | 82,000 | 115,000 | 160,000 |
| Net income | 91,000 | 200,000 | 268,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,034,000 | 4,125,000 | 4,194,000 | 4,299,000 |
| Total capital | 4,424,000 | 4,529,000 | 4,599,000 | 4,699,000 |
| Risk-weighted assets | 31,030,000 | 32,152,000 | 32,146,000 | 31,763,000 |