Call reports 2002
FIRST CENTRAL BANK — 2002
What FIRST CENTRAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 59,341,000 | 62,223,000 | 63,119,000 | 62,043,000 |
| Total loans | 40,661,000 | 42,782,000 | 44,765,000 | 42,433,000 |
| Allowance for loan losses | 386,000 | 464,000 | 521,000 | 536,000 |
| Securities available for sale | 11,394,000 | 11,888,000 | 11,899,000 | 11,874,000 |
| Securities held to maturity | 1,976,000 | 1,974,000 | 2,049,000 | 2,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,340,000 | 51,283,000 | 50,627,000 | 51,235,000 |
| Interest-bearing deposits | 43,996,000 | 46,297,000 | 46,210,000 | 46,370,000 |
| Noninterest-bearing deposits | 4,344,000 | 4,986,000 | 4,417,000 | 4,865,000 |
| Equity capital | 4,811,000 | 4,825,000 | 4,850,000 | 4,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 2,036,000 | 3,099,000 | 4,088,000 |
| Interest expense | 434,000 | 854,000 | 1,271,000 | 1,669,000 |
| Net interest income | 565,000 | 1,182,000 | 1,828,000 | 2,419,000 |
| Noninterest income | 78,000 | 172,000 | 250,000 | 318,000 |
| Noninterest expense | 414,000 | 842,000 | 1,276,000 | 1,693,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 169,000 | 393,000 | 622,000 | 806,000 |
| Income tax | 53,000 | 125,000 | 197,000 | 256,000 |
| Net income | 116,000 | 268,000 | 425,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,631,000 | 4,658,000 | 4,685,000 | 4,620,000 |
| Total capital | 5,017,000 | 5,122,000 | 5,206,000 | 5,156,000 |
| Risk-weighted assets | 44,942,000 | 47,274,000 | 49,397,000 | 47,576,000 |