Call reports 2013
FIRST CENTRAL BANK MCCOOK — 2013
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 83,406,000 | 82,614,000 | 90,074,000 | 93,498,000 |
| Total loans | 63,315,000 | 68,931,000 | 70,793,000 | 70,778,000 |
| Allowance for loan losses | 917,000 | 972,000 | 1,045,000 | 1,054,000 |
| Securities available for sale | 1,885,000 | 2,219,000 | 2,112,000 | 2,467,000 |
| Securities held to maturity | 6,674,000 | 7,073,000 | 6,984,000 | 6,733,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,958,000 | 68,726,000 | 77,151,000 | 80,846,000 |
| Interest-bearing deposits | 62,525,000 | 62,125,000 | 66,652,000 | 70,762,000 |
| Noninterest-bearing deposits | 8,433,000 | 6,601,000 | 10,499,000 | 10,084,000 |
| Equity capital | 8,299,000 | 8,577,000 | 8,744,000 | 8,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,082,000 | 2,192,000 | 3,351,000 | 4,506,000 |
| Interest expense | 183,000 | 364,000 | 548,000 | 737,000 |
| Net interest income | 899,000 | 1,828,000 | 2,803,000 | 3,769,000 |
| Noninterest income | 97,000 | 187,000 | 282,000 | 382,000 |
| Noninterest expense | 575,000 | 1,092,000 | 1,617,000 | 2,127,000 |
| Provision for loan losses | 100,000 | 170,000 | 240,000 | 320,000 |
| Pretax income | 318,000 | 750,000 | 1,225,000 | 1,701,000 |
| Income tax | 86,000 | 221,000 | 440,000 | 636,000 |
| Net income | 232,000 | 529,000 | 785,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,292,000 | 8,588,000 | 8,779,000 | 8,976,000 |
| Total capital | 9,160,000 | 9,511,000 | 9,745,000 | 9,964,000 |
| Risk-weighted assets | 69,382,000 | 73,831,000 | 77,214,000 | 79,011,000 |