Call reports 2007
FIRST CENTRAL BANK MCCOOK — 2007
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 47,853,000 | 50,260,000 | 51,628,000 | 55,887,000 |
| Total loans | 37,704,000 | 39,908,000 | 41,783,000 | 42,617,000 |
| Allowance for loan losses | 638,000 | 637,000 | 637,000 | 615,000 |
| Securities available for sale | 4,139,000 | 3,752,000 | 2,727,000 | 2,799,000 |
| Securities held to maturity | 2,961,000 | 3,313,000 | 3,339,000 | 3,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,630,000 | 40,867,000 | 41,983,000 | 46,346,000 |
| Interest-bearing deposits | 35,654,000 | 38,241,000 | 38,929,000 | 39,272,000 |
| Noninterest-bearing deposits | 2,976,000 | 2,626,000 | 3,054,000 | 7,074,000 |
| Equity capital | 4,759,000 | 4,870,000 | 5,009,000 | 5,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 891,000 | 1,848,000 | 2,855,000 | 3,903,000 |
| Interest expense | 438,000 | 921,000 | 1,424,000 | 1,936,000 |
| Net interest income | 453,000 | 927,000 | 1,431,000 | 1,967,000 |
| Noninterest income | 74,000 | 149,000 | 222,000 | 392,000 |
| Noninterest expense | 404,000 | 801,000 | 1,207,000 | 1,665,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 115,000 | 267,000 | 438,000 | 686,000 |
| Income tax | 24,000 | 74,000 | 122,000 | 199,000 |
| Net income | 91,000 | 193,000 | 316,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,797,000 | 4,900,000 | 5,023,000 | 5,065,000 |
| Total capital | 5,303,000 | 5,439,000 | 5,589,000 | 5,651,000 |
| Risk-weighted assets | 40,319,000 | 42,986,000 | 45,208,000 | 46,880,000 |