Call reports 2004
FIRST CENTRAL BANK, INC. — 2004
What FIRST CENTRAL BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 85,609,000 | 86,735,000 | 87,461,000 | 90,245,000 |
| Total loans | 64,715,000 | 66,861,000 | 70,187,000 | 72,685,000 |
| Allowance for loan losses | 687,000 | 711,000 | 495,000 | 736,000 |
| Securities available for sale | 7,911,000 | 7,269,000 | 7,332,000 | 6,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,242,000 | 75,488,000 | 76,127,000 | 78,781,000 |
| Interest-bearing deposits | 63,260,000 | 63,545,000 | 63,302,000 | 65,063,000 |
| Noninterest-bearing deposits | 10,982,000 | 11,943,000 | 12,825,000 | 13,718,000 |
| Equity capital | 10,750,000 | 10,748,000 | 10,892,000 | 10,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,269,000 | 2,548,000 | 3,878,000 | 5,264,000 |
| Interest expense | 286,000 | 535,000 | 776,000 | 1,027,000 |
| Net interest income | 983,000 | 2,013,000 | 3,102,000 | 4,237,000 |
| Noninterest income | 167,000 | 347,000 | 537,000 | 738,000 |
| Noninterest expense | 633,000 | 1,318,000 | 2,021,000 | 2,622,000 |
| Provision for loan losses | 110,000 | 179,000 | 284,000 | 571,000 |
| Pretax income | 407,000 | 863,000 | 1,334,000 | 1,782,000 |
| Income tax | 150,000 | 318,000 | 492,000 | 662,000 |
| Net income | 257,000 | 545,000 | 842,000 | 1,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,033,000 | 7,121,000 | 7,218,000 | 7,271,000 |
| Total capital | 7,720,000 | 7,832,000 | 7,713,000 | 8,007,000 |
| Risk-weighted assets | 57,148,000 | 59,193,000 | 61,693,000 | 63,735,000 |