Call reports 2024
FIRST CENTRAL BANK MCCOOK — 2024
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 123,781,000 | 123,551,000 | 125,086,000 | 130,248,000 |
| Total loans | 92,929,000 | 94,504,000 | 95,873,000 | 96,698,000 |
| Allowance for loan losses | 1,830,000 | 1,901,000 | 1,959,000 | 2,017,000 |
| Securities available for sale | 3,933,000 | 3,921,000 | 4,756,000 | 4,822,000 |
| Securities held to maturity | 10,602,000 | 10,240,000 | 10,919,000 | 9,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,281,000 | 103,500,000 | 102,441,000 | 109,684,000 |
| Interest-bearing deposits | 90,997,000 | 87,769,000 | 89,296,000 | 93,008,000 |
| Noninterest-bearing deposits | 13,284,000 | 15,731,000 | 13,145,000 | 16,676,000 |
| Equity capital | 13,830,000 | 13,504,000 | 13,818,000 | 12,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,255,000 | 4,389,000 | 6,303,000 | 8,460,000 |
| Interest expense | 765,000 | 1,528,000 | 2,295,000 | 3,083,000 |
| Net interest income | 1,490,000 | 2,861,000 | 4,008,000 | 5,377,000 |
| Noninterest income | -6,000 | 72,000 | 146,000 | 204,000 |
| Noninterest expense | 905,000 | 2,669,000 | 3,585,000 | 6,357,000 |
| Provision for loan losses | 47,000 | 90,000 | 137,000 | 186,000 |
| Pretax income | 534,000 | 174,000 | 427,000 | -969,000 |
| Income tax | 105,000 | 45,000 | 74,000 | -267,000 |
| Net income | 429,000 | 129,000 | 353,000 | -702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,910,000 | 13,610,000 | 13,834,000 | 12,779,000 |
| Total capital | 15,220,000 | 14,996,000 | 15,226,000 | 14,230,000 |
| Risk-weighted assets | 104,193,000 | 110,323,000 | 110,769,000 | 115,498,000 |