Call reports 2005
FIRST CENTRAL BANK, INC. — 2005
What FIRST CENTRAL BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 92,185,000 | 93,542,000 | 97,034,000 | 99,091,000 |
| Total loans | 74,896,000 | 78,473,000 | 80,675,000 | 81,012,000 |
| Allowance for loan losses | 859,000 | 962,000 | 964,000 | 894,000 |
| Securities available for sale | 6,211,000 | 6,250,000 | 6,217,000 | 5,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,581,000 | 82,075,000 | 85,406,000 | 87,299,000 |
| Interest-bearing deposits | 66,452,000 | 67,868,000 | 70,948,000 | 72,546,000 |
| Noninterest-bearing deposits | 14,129,000 | 14,207,000 | 14,458,000 | 14,753,000 |
| Equity capital | 10,959,000 | 11,062,000 | 11,190,000 | 11,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,872,000 | 4,442,000 | 6,104,000 |
| Interest expense | 279,000 | 587,000 | 933,000 | 1,323,000 |
| Net interest income | 1,115,000 | 2,285,000 | 3,509,000 | 4,781,000 |
| Noninterest income | 179,000 | 416,000 | 645,000 | 851,000 |
| Noninterest expense | 711,000 | 1,543,000 | 2,258,000 | 2,983,000 |
| Provision for loan losses | 145,000 | 250,000 | 325,000 | 325,000 |
| Pretax income | 438,000 | 908,000 | 1,571,000 | 2,324,000 |
| Income tax | 156,000 | 324,000 | 564,000 | 834,000 |
| Net income | 282,000 | 584,000 | 1,007,000 | 1,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,358,000 | 7,434,000 | 7,582,000 | 7,690,000 |
| Total capital | 8,189,000 | 8,303,000 | 8,455,000 | 8,584,000 |
| Risk-weighted assets | 65,661,000 | 68,654,000 | 70,731,000 | 70,731,000 |