Call reports 2006
FIRST CENTRAL BANK, INC. — 2006
What FIRST CENTRAL BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 101,891,000 | 100,984,000 | 101,835,000 | 105,857,000 |
| Total loans | 82,563,000 | 84,007,000 | 86,668,000 | 84,531,000 |
| Allowance for loan losses | 938,000 | 933,000 | 873,000 | 816,000 |
| Securities available for sale | 5,195,000 | 5,191,000 | 5,231,000 | 5,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,813,000 | 88,762,000 | 89,389,000 | 92,509,000 |
| Interest-bearing deposits | 71,683,000 | 72,812,000 | 74,075,000 | 75,776,000 |
| Noninterest-bearing deposits | 18,130,000 | 15,950,000 | 15,314,000 | 16,733,000 |
| Equity capital | 11,379,000 | 11,592,000 | 11,873,000 | 12,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,483,000 | 5,335,000 | 7,224,000 |
| Interest expense | 426,000 | 883,000 | 1,387,000 | 1,944,000 |
| Net interest income | 1,246,000 | 2,600,000 | 3,948,000 | 5,280,000 |
| Noninterest income | 173,000 | 382,000 | 602,000 | 798,000 |
| Noninterest expense | 784,000 | 1,620,000 | 2,448,000 | 3,226,000 |
| Provision for loan losses | 40,000 | -100,000 | -100,000 | -100,000 |
| Pretax income | 595,000 | 1,462,000 | 2,202,000 | 2,952,000 |
| Income tax | 223,000 | 549,000 | 819,000 | 1,097,000 |
| Net income | 372,000 | 913,000 | 1,383,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,787,000 | 8,003,000 | 8,253,000 | 8,475,000 |
| Total capital | 8,704,000 | 8,931,000 | 9,126,000 | 9,291,000 |
| Risk-weighted assets | 72,643,000 | 73,469,000 | 75,042,000 | 73,803,000 |
Machine access — free, no API key
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