Call reports 2008
FIRST CENTRAL BANK MCCOOK — 2008
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 57,090,000 | 59,623,000 | 63,844,000 | 66,756,000 |
| Total loans | 45,013,000 | 49,490,000 | 52,699,000 | 52,721,000 |
| Allowance for loan losses | 613,000 | 613,000 | 764,000 | 591,000 |
| Securities available for sale | 2,211,000 | 1,876,000 | 1,910,000 | 2,163,000 |
| Securities held to maturity | 4,544,000 | 4,974,000 | 4,868,000 | 5,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,067,000 | 49,438,000 | 52,812,000 | 56,148,000 |
| Interest-bearing deposits | 39,573,000 | 45,942,000 | 48,735,000 | 51,257,000 |
| Noninterest-bearing deposits | 7,494,000 | 3,496,000 | 4,077,000 | 4,891,000 |
| Equity capital | 5,187,000 | 5,312,000 | 5,361,000 | 5,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,051,000 | 3,115,000 | 4,212,000 |
| Interest expense | 510,000 | 991,000 | 1,473,000 | 1,961,000 |
| Net interest income | 521,000 | 1,060,000 | 1,642,000 | 2,251,000 |
| Noninterest income | 76,000 | 147,000 | 227,000 | 301,000 |
| Noninterest expense | 397,000 | 845,000 | 1,326,000 | 1,693,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 300,000 |
| Pretax income | 196,000 | 357,000 | 388,000 | 554,000 |
| Income tax | 61,000 | 107,000 | 100,000 | 143,000 |
| Net income | 135,000 | 250,000 | 288,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,188,000 | 5,302,000 | 5,341,000 | 5,812,000 |
| Total capital | 5,801,000 | 5,915,000 | 6,050,000 | 6,403,000 |
| Risk-weighted assets | 49,070,000 | 53,498,000 | 56,703,000 | 57,328,000 |