Call reports 2009
FIRST CENTRAL BANK MCCOOK — 2009
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 65,222,000 | 68,200,000 | 70,308,000 | 71,881,000 |
| Total loans | 53,117,000 | 56,606,000 | 57,875,000 | 56,659,000 |
| Allowance for loan losses | 605,000 | 642,000 | 651,000 | 759,000 |
| Securities available for sale | 2,071,000 | 2,071,000 | 2,089,000 | 1,931,000 |
| Securities held to maturity | 5,193,000 | 5,443,000 | 5,292,000 | 5,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,529,000 | 57,243,000 | 59,171,000 | 60,937,000 |
| Interest-bearing deposits | 50,755,000 | 53,889,000 | 55,948,000 | 55,319,000 |
| Noninterest-bearing deposits | 3,774,000 | 3,354,000 | 3,223,000 | 5,618,000 |
| Equity capital | 5,937,000 | 6,066,000 | 6,187,000 | 6,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,020,000 | 2,074,000 | 3,197,000 | 4,273,000 |
| Interest expense | 444,000 | 855,000 | 1,257,000 | 1,639,000 |
| Net interest income | 576,000 | 1,219,000 | 1,940,000 | 2,634,000 |
| Noninterest income | 64,000 | 145,000 | 253,000 | 349,000 |
| Noninterest expense | 423,000 | 888,000 | 1,392,000 | 1,803,000 |
| Provision for loan losses | 10,000 | 45,000 | 136,000 | 246,000 |
| Pretax income | 209,000 | 432,000 | 665,000 | 935,000 |
| Income tax | 62,000 | 122,000 | 190,000 | 290,000 |
| Net income | 147,000 | 310,000 | 475,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,908,000 | 6,035,000 | 6,145,000 | 6,187,000 |
| Total capital | 6,513,000 | 6,677,000 | 6,796,000 | 6,946,000 |
| Risk-weighted assets | 56,835,000 | 60,481,000 | 62,539,000 | 62,506,000 |