Call reports 2014
FIRST CENTRAL BANK MCCOOK — 2014
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 91,949,000 | 91,878,000 | 92,441,000 | 101,030,000 |
| Total loans | 74,688,000 | 75,792,000 | 74,933,000 | 78,925,000 |
| Allowance for loan losses | 1,100,000 | 1,046,000 | 1,084,000 | 1,116,000 |
| Securities available for sale | 2,573,000 | 2,681,000 | 2,589,000 | 2,606,000 |
| Securities held to maturity | 6,998,000 | 6,847,000 | 7,236,000 | 7,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,971,000 | 78,611,000 | 78,857,000 | 87,638,000 |
| Interest-bearing deposits | 69,908,000 | 71,812,000 | 68,564,000 | 77,067,000 |
| Noninterest-bearing deposits | 9,063,000 | 6,799,000 | 10,293,000 | 10,571,000 |
| Equity capital | 9,156,000 | 9,454,000 | 9,708,000 | 9,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,135,000 | 2,330,000 | 3,546,000 | 4,782,000 |
| Interest expense | 182,000 | 382,000 | 591,000 | 820,000 |
| Net interest income | 953,000 | 1,948,000 | 2,955,000 | 3,962,000 |
| Noninterest income | 85,000 | 239,000 | 335,000 | 440,000 |
| Noninterest expense | 534,000 | 1,100,000 | 1,638,000 | 2,215,000 |
| Provision for loan losses | 65,000 | 150,000 | 225,000 | 330,000 |
| Pretax income | 439,000 | 937,000 | 1,427,000 | 1,857,000 |
| Income tax | 112,000 | 251,000 | 383,000 | 507,000 |
| Net income | 327,000 | 686,000 | 1,044,000 | 1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,187,000 | 9,481,000 | 9,730,000 | 9,886,000 |
| Total capital | 10,205,000 | 10,507,000 | 10,757,000 | 10,970,000 |
| Risk-weighted assets | 81,362,000 | 82,089,000 | 82,128,000 | 86,722,000 |