Call reports 2020
FIRST CENTRAL BANK MCCOOK — 2020
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 121,203,000 | 120,793,000 | 120,202,000 | 124,369,000 |
| Total loans | 101,779,000 | 102,247,000 | 102,019,000 | 98,097,000 |
| Allowance for loan losses | 2,096,000 | 2,084,000 | 2,145,000 | 2,148,000 |
| Securities available for sale | 3,442,000 | 2,925,000 | 2,816,000 | 2,453,000 |
| Securities held to maturity | 6,152,000 | 6,476,000 | 7,548,000 | 7,716,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,627,000 | 101,310,000 | 99,865,000 | 104,445,000 |
| Interest-bearing deposits | 90,331,000 | 88,070,000 | 87,194,000 | 89,299,000 |
| Noninterest-bearing deposits | 11,296,000 | 13,240,000 | 12,671,000 | 15,146,000 |
| Equity capital | 13,235,000 | 12,936,000 | 13,730,000 | 13,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,606,000 | 3,290,000 | 4,799,000 | 6,229,000 |
| Interest expense | 466,000 | 868,000 | 1,223,000 | 1,536,000 |
| Net interest income | 1,140,000 | 2,422,000 | 3,576,000 | 4,693,000 |
| Noninterest income | 199,000 | 251,000 | 318,000 | 387,000 |
| Noninterest expense | 758,000 | 1,479,000 | 2,312,000 | 2,963,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 506,000 | 1,044,000 | 1,357,000 | 1,817,000 |
| Income tax | 97,000 | 231,000 | 293,000 | 398,000 |
| Net income | 409,000 | 813,000 | 1,064,000 | 1,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,178,000 | 13,027,000 | 13,648,000 | 13,870,000 |