Call reports 2012
FIRST CENTRAL BANK MCCOOK — 2012
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,532,000 | 80,118,000 | 84,902,000 | 86,832,000 |
| Total loans | 60,276,000 | 63,636,000 | 65,082,000 | 65,045,000 |
| Allowance for loan losses | 898,000 | 993,000 | 1,082,000 | 812,000 |
| Securities available for sale | 2,044,000 | 2,360,000 | 2,147,000 | 1,820,000 |
| Securities held to maturity | 6,260,000 | 6,763,000 | 6,880,000 | 7,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,512,000 | 67,898,000 | 72,704,000 | 74,582,000 |
| Interest-bearing deposits | 59,174,000 | 61,668,000 | 63,520,000 | 64,231,000 |
| Noninterest-bearing deposits | 8,338,000 | 6,230,000 | 9,184,000 | 10,351,000 |
| Equity capital | 7,927,000 | 8,121,000 | 8,013,000 | 8,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,168,000 | 2,279,000 | 3,451,000 | 4,588,000 |
| Interest expense | 258,000 | 490,000 | 713,000 | 921,000 |
| Net interest income | 910,000 | 1,789,000 | 2,738,000 | 3,667,000 |
| Noninterest income | 98,000 | 190,000 | 290,000 | 376,000 |
| Noninterest expense | 531,000 | 1,060,000 | 1,594,000 | 2,069,000 |
| Provision for loan losses | 90,000 | 170,000 | 300,000 | 460,000 |
| Pretax income | 386,000 | 748,000 | 1,137,000 | 1,516,000 |
| Income tax | 117,000 | 217,000 | 334,000 | 459,000 |
| Net income | 269,000 | 531,000 | 803,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,902,000 | 8,101,000 | 7,997,000 | 8,152,000 |
| Total capital | 8,729,000 | 8,975,000 | 8,906,000 | 8,964,000 |
| Risk-weighted assets | 66,127,000 | 69,828,000 | 72,523,000 | 71,542,000 |