Call reports 2011
FIRST CENTRAL BANK MCCOOK — 2011
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 76,730,000 | 78,500,000 | 79,408,000 | 81,229,000 |
| Total loans | 58,879,000 | 62,837,000 | 63,767,000 | 61,176,000 |
| Allowance for loan losses | 779,000 | 900,000 | 780,000 | 858,000 |
| Securities available for sale | 1,869,000 | 1,872,000 | 1,762,000 | 1,602,000 |
| Securities held to maturity | 6,106,000 | 6,404,000 | 6,558,000 | 6,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,463,000 | 67,006,000 | 67,652,000 | 69,488,000 |
| Interest-bearing deposits | 59,901,000 | 61,353,000 | 62,129,000 | 61,269,000 |
| Noninterest-bearing deposits | 5,562,000 | 5,653,000 | 5,523,000 | 8,219,000 |
| Equity capital | 7,255,000 | 7,471,000 | 7,604,000 | 7,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,118,000 | 2,252,000 | 3,437,000 | 4,587,000 |
| Interest expense | 330,000 | 646,000 | 950,000 | 1,238,000 |
| Net interest income | 788,000 | 1,606,000 | 2,487,000 | 3,349,000 |
| Noninterest income | 111,000 | 231,000 | 345,000 | 428,000 |
| Noninterest expense | 480,000 | 986,000 | 1,530,000 | 2,027,000 |
| Provision for loan losses | 110,000 | 230,000 | 445,000 | 575,000 |
| Pretax income | 309,000 | 621,000 | 857,000 | 1,175,000 |
| Income tax | 90,000 | 173,000 | 215,000 | 332,000 |
| Net income | 219,000 | 448,000 | 642,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,217,000 | 7,431,000 | 7,568,000 | 7,667,000 |
| Total capital | 7,996,000 | 8,289,000 | 8,348,000 | 8,516,000 |
| Risk-weighted assets | 64,987,000 | 68,629,000 | 67,563,000 | 67,892,000 |