Call reports 2025
FIRST CENTRAL BANK MCCOOK — 2025
What FIRST CENTRAL BANK MCCOOK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 128,985,000 | 126,318,000 | 122,388,000 | 127,251,000 |
| Total loans | 92,132,000 | 90,431,000 | 89,421,000 | 88,571,000 |
| Allowance for loan losses | 1,217,000 | 1,412,000 | 1,504,000 | 1,596,000 |
| Securities available for sale | 4,836,000 | 4,846,000 | 4,943,000 | 5,489,000 |
| Securities held to maturity | 9,770,000 | 9,523,000 | 9,646,000 | 9,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,812,000 | 106,448,000 | 102,247,000 | 108,820,000 |
| Interest-bearing deposits | 94,341,000 | 91,752,000 | 88,422,000 | 91,847,000 |
| Noninterest-bearing deposits | 14,471,000 | 14,696,000 | 13,825,000 | 16,973,000 |
| Equity capital | 12,497,000 | 12,580,000 | 12,766,000 | 13,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,913,000 | 3,877,000 | 5,786,000 | 7,814,000 |
| Interest expense | 789,000 | 1,553,000 | 2,307,000 | 3,024,000 |
| Net interest income | 1,124,000 | 2,324,000 | 3,479,000 | 4,790,000 |
| Noninterest income | 40,000 | 87,000 | 140,000 | 208,000 |
| Noninterest expense | 1,068,000 | 2,000,000 | 3,031,000 | 3,449,000 |
| Provision for loan losses | 350,000 | 656,000 | 726,000 | 726,000 |
| Pretax income | -229,000 | -220,000 | -88,000 | 873,000 |
| Income tax | 1,000 | -77,000 | -66,000 | 164,000 |
| Net income | -230,000 | -143,000 | -22,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,549,000 | 12,636,000 | 12,757,000 | 13,488,000 |
| Total capital | 13,824,000 | 13,897,000 | 14,041,000 | 14,724,000 |
| Risk-weighted assets | 105,212,000 | 100,731,000 | 102,480,000 | 98,550,000 |