Call reports 2008
FIRST CENTRAL BANK, INC. — 2008
What FIRST CENTRAL BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 112,578,000 | 112,435,000 | 113,251,000 | 115,215,000 |
| Total loans | 88,394,000 | 90,160,000 | 94,239,000 | 91,821,000 |
| Allowance for loan losses | 903,000 | 900,000 | 912,000 | 890,000 |
| Securities available for sale | 6,080,000 | 5,417,000 | 5,444,000 | 5,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,930,000 | 98,801,000 | 99,587,000 | 101,300,000 |
| Interest-bearing deposits | 83,504,000 | 82,092,000 | 82,581,000 | 85,008,000 |
| Noninterest-bearing deposits | 15,426,000 | 16,709,000 | 17,006,000 | 16,292,000 |
| Equity capital | 12,460,000 | 12,528,000 | 12,644,000 | 12,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,859,000 | 3,610,000 | 5,346,000 | 7,049,000 |
| Interest expense | 634,000 | 1,200,000 | 1,750,000 | 2,308,000 |
| Net interest income | 1,225,000 | 2,410,000 | 3,596,000 | 4,741,000 |
| Noninterest income | 200,000 | 444,000 | 665,000 | 849,000 |
| Noninterest expense | 897,000 | 1,752,000 | 2,616,000 | 3,461,000 |
| Provision for loan losses | 0 | 76,000 | 173,000 | 248,000 |
| Pretax income | 528,000 | 1,026,000 | 1,472,000 | 1,881,000 |
| Income tax | 192,000 | 353,000 | 502,000 | 637,000 |
| Net income | 336,000 | 673,000 | 970,000 | 1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,739,000 | 8,872,000 | 8,969,000 | 9,773,000 |
| Total capital | 9,642,000 | 9,772,000 | 9,881,000 | 10,663,000 |
| Risk-weighted assets | 78,776,000 | 80,008,000 | 83,207,000 | 81,803,000 |
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