Call reports 2002
FIRST CENTRAL BANK, INC. — 2002
What FIRST CENTRAL BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 85,599,000 | 85,363,000 | 88,248,000 | 88,581,000 |
| Total loans | 49,417,000 | 51,555,000 | 53,295,000 | 55,204,000 |
| Allowance for loan losses | 593,000 | 630,000 | 667,000 | 692,000 |
| Securities available for sale | 23,080,000 | 24,294,000 | 23,419,000 | 23,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,502,000 | 75,011,000 | 77,532,000 | 77,809,000 |
| Interest-bearing deposits | 64,246,000 | 65,153,000 | 67,491,000 | 66,225,000 |
| Noninterest-bearing deposits | 11,256,000 | 9,858,000 | 10,041,000 | 11,584,000 |
| Equity capital | 9,867,000 | 10,101,000 | 10,425,000 | 10,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,220,000 | 2,485,000 | 3,814,000 | 5,136,000 |
| Interest expense | 449,000 | 882,000 | 1,328,000 | 1,746,000 |
| Net interest income | 771,000 | 1,603,000 | 2,486,000 | 3,390,000 |
| Noninterest income | 86,000 | 183,000 | 281,000 | 380,000 |
| Noninterest expense | 636,000 | 1,301,000 | 1,792,000 | 2,398,000 |
| Provision for loan losses | 46,000 | 89,000 | 174,000 | 269,000 |
| Pretax income | 175,000 | 396,000 | 801,000 | 1,103,000 |
| Income tax | 67,000 | 153,000 | 299,000 | 411,000 |
| Net income | 108,000 | 243,000 | 502,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,382,000 | 6,521,000 | 6,670,000 | 6,785,000 |
| Total capital | 6,975,000 | 7,139,000 | 7,307,000 | 7,436,000 |
| Risk-weighted assets | 48,523,000 | 49,402,000 | 50,920,000 | 52,022,000 |