Call reports 2015
FIRST CENTRAL BANK MCCOOK — 2015
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,701,000 | 95,336,000 | 99,657,000 | 104,041,000 |
| Total loans | 73,863,000 | 78,948,000 | 81,159,000 | 81,976,000 |
| Allowance for loan losses | 1,115,000 | 1,178,000 | 1,235,000 | 1,289,000 |
| Securities available for sale | 2,605,000 | 2,617,000 | 2,530,000 | 3,425,000 |
| Securities held to maturity | 7,507,000 | 7,741,000 | 8,028,000 | 7,973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,672,000 | 81,010,000 | 85,040,000 | 89,643,000 |
| Interest-bearing deposits | 70,658,000 | 73,946,000 | 75,666,000 | 81,227,000 |
| Noninterest-bearing deposits | 9,013,000 | 7,064,000 | 9,374,000 | 8,416,000 |
| Equity capital | 10,111,000 | 10,371,000 | 10,590,000 | 10,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,194,000 | 2,396,000 | 3,644,000 | 4,924,000 |
| Interest expense | 211,000 | 446,000 | 689,000 | 941,000 |
| Net interest income | 983,000 | 1,950,000 | 2,955,000 | 3,983,000 |
| Noninterest income | 85,000 | 185,000 | 293,000 | 406,000 |
| Noninterest expense | 563,000 | 1,144,000 | 1,726,000 | 2,339,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 460,000 | 901,000 | 1,387,000 | 1,870,000 |
| Income tax | 144,000 | 285,000 | 485,000 | 654,000 |
| Net income | 316,000 | 616,000 | 902,000 | 1,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,111,000 | 10,374,000 | 10,590,000 | 10,575,000 |
| Total capital | 11,226,000 | 11,552,000 | 11,809,000 | 11,766,000 |
| Risk-weighted assets | 93,485,000 | 94,801,000 | 97,520,000 | 95,170,000 |