Call reports 2001
FIRST CENTRAL BANK, INC. — 2001
What FIRST CENTRAL BANK, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 79,778,000 | 80,062,000 | 80,617,000 | 81,534,000 |
| Total loans | 40,644,000 | 44,319,000 | 45,725,000 | 47,736,000 |
| Allowance for loan losses | 501,000 | 532,000 | 548,000 | 573,000 |
| Securities available for sale | 25,589,000 | 25,128,000 | 19,767,000 | 22,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,041,000 | 70,179,000 | 70,527,000 | 71,517,000 |
| Interest-bearing deposits | 62,317,000 | 62,991,000 | 62,348,000 | 63,837,000 |
| Noninterest-bearing deposits | 7,724,000 | 7,188,000 | 8,179,000 | 7,680,000 |
| Equity capital | 9,551,000 | 9,670,000 | 9,838,000 | 9,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,432,000 | 2,833,000 | 4,195,000 | 5,485,000 |
| Interest expense | 774,000 | 1,452,000 | 2,056,000 | 2,567,000 |
| Net interest income | 658,000 | 1,381,000 | 2,139,000 | 2,918,000 |
| Noninterest income | 60,000 | 123,000 | 206,000 | 291,000 |
| Noninterest expense | 511,000 | 1,069,000 | 1,641,000 | 2,275,000 |
| Provision for loan losses | 30,000 | 84,000 | 147,000 | 247,000 |
| Pretax income | 177,000 | 351,000 | 558,000 | 688,000 |
| Income tax | 64,000 | 128,000 | 203,000 | 252,000 |
| Net income | 113,000 | 223,000 | 355,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,731,000 | 5,896,000 | 6,083,000 | 6,218,000 |
| Total capital | 6,232,000 | 6,428,000 | 6,631,000 | 6,791,000 |
| Risk-weighted assets | 40,327,000 | 42,264,000 | 44,367,000 | 46,303,000 |