Call reports 2009
FIRST CENTRAL BANK, INC. — 2009
What FIRST CENTRAL BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 114,899,000 | 118,075,000 | 121,410,000 | 126,700,000 |
| Total loans | 93,851,000 | 96,922,000 | 97,165,000 | 103,085,000 |
| Allowance for loan losses | 939,000 | 969,000 | 997,000 | 1,032,000 |
| Securities available for sale | 8,462,000 | 8,184,000 | 7,207,000 | 7,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,867,000 | 103,911,000 | 107,020,000 | 111,768,000 |
| Interest-bearing deposits | 84,935,000 | 87,655,000 | 91,062,000 | 95,048,000 |
| Noninterest-bearing deposits | 15,932,000 | 16,256,000 | 15,958,000 | 16,720,000 |
| Equity capital | 12,731,000 | 12,837,000 | 13,015,000 | 13,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,591,000 | 3,246,000 | 4,938,000 | 6,658,000 |
| Interest expense | 501,000 | 965,000 | 1,417,000 | 1,863,000 |
| Net interest income | 1,090,000 | 2,281,000 | 3,521,000 | 4,795,000 |
| Noninterest income | 149,000 | 355,000 | 594,000 | 832,000 |
| Noninterest expense | 963,000 | 1,894,000 | 2,755,000 | 3,600,000 |
| Provision for loan losses | 59,000 | 121,000 | 216,000 | 281,000 |
| Pretax income | 217,000 | 621,000 | 1,144,000 | 1,746,000 |
| Income tax | 62,000 | 192,000 | 367,000 | 571,000 |
| Net income | 155,000 | 429,000 | 777,000 | 1,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,858,000 | 10,007,000 | 10,195,000 | 10,432,000 |
| Total capital | 10,797,000 | 10,976,000 | 11,192,000 | 11,464,000 |
| Risk-weighted assets | 83,775,000 | 86,187,000 | 86,614,000 | 92,542,000 |
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