Call reports 2007
FIRST CENTRAL BANK, INC. — 2007
What FIRST CENTRAL BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 109,419,000 | 108,920,000 | 110,785,000 | 111,096,000 |
| Total loans | 84,813,000 | 86,381,000 | 87,862,000 | 90,966,000 |
| Allowance for loan losses | 867,000 | 872,000 | 880,000 | 915,000 |
| Securities available for sale | 6,009,000 | 5,914,000 | 5,971,000 | 6,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,430,000 | 95,170,000 | 97,236,000 | 98,037,000 |
| Interest-bearing deposits | 78,880,000 | 78,353,000 | 80,066,000 | 82,744,000 |
| Noninterest-bearing deposits | 16,550,000 | 16,817,000 | 17,170,000 | 15,293,000 |
| Equity capital | 12,233,000 | 12,373,000 | 12,526,000 | 12,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,909,000 | 3,831,000 | 5,791,000 | 7,751,000 |
| Interest expense | 615,000 | 1,273,000 | 1,941,000 | 2,618,000 |
| Net interest income | 1,294,000 | 2,558,000 | 3,850,000 | 5,133,000 |
| Noninterest income | 189,000 | 367,000 | 578,000 | 799,000 |
| Noninterest expense | 860,000 | 1,685,000 | 2,485,000 | 3,335,000 |
| Provision for loan losses | 65,000 | 80,000 | 201,000 | 271,000 |
| Pretax income | 558,000 | 1,160,000 | 1,742,000 | 2,326,000 |
| Income tax | 207,000 | 429,000 | 645,000 | 862,000 |
| Net income | 351,000 | 731,000 | 1,097,000 | 1,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,601,000 | 8,761,000 | 8,877,000 | 8,594,000 |
| Total capital | 9,468,000 | 9,633,000 | 9,757,000 | 9,509,000 |
| Risk-weighted assets | 74,775,000 | 75,893,000 | 77,338,000 | 80,426,000 |