Call reports 2023
FIRST CENTRAL BANK MCCOOK — 2023
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 143,900,000 | 143,004,000 | 126,898,000 | 124,343,000 |
| Total loans | 104,913,000 | 102,276,000 | 101,660,000 | 94,492,000 |
| Allowance for loan losses | 2,135,000 | 1,878,000 | 1,907,000 | 1,767,000 |
| Securities available for sale | 2,848,000 | 3,101,000 | 3,076,000 | 3,541,000 |
| Securities held to maturity | 11,282,000 | 10,979,000 | 10,884,000 | 10,418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,069,000 | 124,733,000 | 107,304,000 | 105,306,000 |
| Interest-bearing deposits | 102,063,000 | 103,752,000 | 91,051,000 | 91,282,000 |
| Noninterest-bearing deposits | 22,006,000 | 20,981,000 | 16,253,000 | 14,024,000 |
| Equity capital | 14,558,000 | 12,874,000 | 13,809,000 | 13,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,057,000 | 4,113,000 | 6,218,000 | 7,959,000 |
| Interest expense | 484,000 | 1,106,000 | 1,782,000 | 2,521,000 |
| Net interest income | 1,573,000 | 3,007,000 | 4,436,000 | 5,438,000 |
| Noninterest income | 102,000 | 164,000 | 238,000 | 347,000 |
| Noninterest expense | 922,000 | 1,800,000 | 2,706,000 | 3,747,000 |
| Provision for loan losses | 88,000 | 2,310,000 | 2,299,000 | 2,814,000 |
| Pretax income | 665,000 | -939,000 | -365,000 | -810,000 |
| Income tax | 133,000 | 239,000 | -150,000 | -192,000 |
| Net income | 532,000 | -1,178,000 | -215,000 | -618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,631,000 | 12,921,000 | 13,884,000 | 13,481,000 |
| Total capital | — | — | 15,335,000 | 14,890,000 |
| Risk-weighted assets | — | — | 115,576,000 | 112,287,000 |