Call reports 2006
FIRST CENTRAL BANK MCCOOK — 2006
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 39,002,000 | 42,708,000 | 47,434,000 | 49,155,000 |
| Total loans | 29,760,000 | 33,183,000 | 37,111,000 | 34,681,000 |
| Allowance for loan losses | 627,000 | 629,000 | 629,000 | 619,000 |
| Securities available for sale | 5,115,000 | 4,849,000 | 4,606,000 | 4,216,000 |
| Securities held to maturity | 1,421,000 | 1,546,000 | 2,001,000 | 2,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,137,000 | 33,382,000 | 38,083,000 | 40,106,000 |
| Interest-bearing deposits | 27,261,000 | 30,568,000 | 34,222,000 | 36,722,000 |
| Noninterest-bearing deposits | 2,876,000 | 2,814,000 | 3,861,000 | 3,384,000 |
| Equity capital | 4,286,000 | 4,350,000 | 4,501,000 | 4,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 654,000 | 1,383,000 | 2,275,000 | 3,179,000 |
| Interest expense | 267,000 | 587,000 | 980,000 | 1,415,000 |
| Net interest income | 387,000 | 796,000 | 1,295,000 | 1,764,000 |
| Noninterest income | 61,000 | 135,000 | 208,000 | 285,000 |
| Noninterest expense | 354,000 | 729,000 | 1,133,000 | 1,559,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 1,000 |
| Pretax income | 94,000 | 201,000 | 369,000 | 489,000 |
| Income tax | 28,000 | 61,000 | 115,000 | 150,000 |
| Net income | 66,000 | 140,000 | 254,000 | 339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,366,000 | 4,440,000 | 4,554,000 | 4,639,000 |
| Total capital | 4,767,000 | 4,879,000 | 5,047,000 | 5,115,000 |
| Risk-weighted assets | 31,817,000 | 34,891,000 | 39,334,000 | 37,952,000 |