Call reports 2010
FIRST CENTRAL BANK, INC. — 2010
What FIRST CENTRAL BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 127,138,000 | 129,166,000 | 131,328,000 | 132,435,000 |
| Total loans | 102,356,000 | 106,710,000 | 108,063,000 | 109,873,000 |
| Allowance for loan losses | 1,059,000 | 1,122,000 | 1,150,000 | 1,193,000 |
| Securities available for sale | 7,134,000 | 9,199,000 | 6,286,000 | 5,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,633,000 | 113,710,000 | 115,894,000 | 117,353,000 |
| Interest-bearing deposits | 95,240,000 | 95,601,000 | 96,039,000 | 96,768,000 |
| Noninterest-bearing deposits | 16,393,000 | 18,109,000 | 19,855,000 | 20,585,000 |
| Equity capital | 13,334,000 | 13,501,000 | 13,565,000 | 13,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,727,000 | 3,515,000 | 5,287,000 | 7,121,000 |
| Interest expense | 425,000 | 836,000 | 1,224,000 | 1,601,000 |
| Net interest income | 1,302,000 | 2,679,000 | 4,063,000 | 5,520,000 |
| Noninterest income | 194,000 | 428,000 | 643,000 | 854,000 |
| Noninterest expense | 904,000 | 1,769,000 | 2,673,000 | 3,563,000 |
| Provision for loan losses | 36,000 | 108,000 | 237,000 | 291,000 |
| Pretax income | 556,000 | 1,230,000 | 1,796,000 | 2,520,000 |
| Income tax | 187,000 | 473,000 | 665,000 | 916,000 |
| Net income | 369,000 | 757,000 | 1,131,000 | 1,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,612,000 | 10,859,000 | 10,961,000 | 11,121,000 |
| Total capital | 11,671,000 | 11,981,000 | 12,111,000 | 12,314,000 |
| Risk-weighted assets | 92,390,000 | 97,099,000 | 98,886,000 | 99,900,000 |
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