Call reports 2016
FIRST CENTRAL BANK MCCOOK — 2016
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 100,824,000 | 105,200,000 | 104,551,000 | 103,963,000 |
| Total loans | 84,541,000 | 89,647,000 | 85,270,000 | 83,075,000 |
| Allowance for loan losses | 1,290,000 | 1,382,000 | 1,445,000 | 1,598,000 |
| Securities available for sale | 3,438,000 | 3,479,000 | 4,473,000 | 4,318,000 |
| Securities held to maturity | 8,137,000 | 7,761,000 | 7,175,000 | 7,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,872,000 | 85,207,000 | 85,384,000 | 88,068,000 |
| Interest-bearing deposits | 78,250,000 | 78,061,000 | 76,664,000 | 80,495,000 |
| Noninterest-bearing deposits | 7,623,000 | 7,146,000 | 8,720,000 | 7,573,000 |
| Equity capital | 10,948,000 | 11,390,000 | 11,826,000 | 12,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,286,000 | 2,718,000 | 4,177,000 | 5,597,000 |
| Interest expense | 255,000 | 516,000 | 785,000 | 1,046,000 |
| Net interest income | 1,031,000 | 2,202,000 | 3,392,000 | 4,551,000 |
| Noninterest income | 98,000 | 195,000 | 285,000 | 358,000 |
| Noninterest expense | 593,000 | 1,203,000 | 1,779,000 | 2,394,000 |
| Provision for loan losses | 65,000 | 110,000 | 155,000 | 300,000 |
| Pretax income | 471,000 | 1,084,000 | 1,743,000 | 2,215,000 |
| Income tax | 108,000 | 306,000 | 524,000 | 680,000 |
| Net income | 363,000 | 778,000 | 1,219,000 | 1,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,948,000 | 11,354,000 | 11,794,000 | 11,980,000 |
| Total capital | 12,167,000 | 12,623,000 | 13,031,000 | 13,200,000 |
| Risk-weighted assets | 97,437,000 | 101,388,000 | 98,787,000 | 97,177,000 |