Call reports 2004
FIRST CENTRAL BANK — 2004
What FIRST CENTRAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,627,000 | 60,296,000 | 62,261,000 | 61,792,000 |
| Total loans | 42,751,000 | 43,419,000 | 45,274,000 | 44,141,000 |
| Allowance for loan losses | 543,000 | 558,000 | 550,000 | 544,000 |
| Securities available for sale | 8,031,000 | 7,748,000 | 7,835,000 | 8,349,000 |
| Securities held to maturity | 2,255,000 | 2,709,000 | 2,682,000 | 2,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,731,000 | 48,074,000 | 49,333,000 | 51,537,000 |
| Interest-bearing deposits | 44,244,000 | 44,115,000 | 45,185,000 | 46,300,000 |
| Noninterest-bearing deposits | 4,487,000 | 3,959,000 | 4,148,000 | 5,237,000 |
| Equity capital | 5,018,000 | 4,988,000 | 5,088,000 | 5,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 931,000 | 1,804,000 | 2,704,000 | 3,619,000 |
| Interest expense | 262,000 | 515,000 | 791,000 | 1,088,000 |
| Net interest income | 669,000 | 1,289,000 | 1,913,000 | 2,531,000 |
| Noninterest income | 106,000 | 218,000 | 306,000 | 435,000 |
| Noninterest expense | 484,000 | 944,000 | 1,435,000 | 1,914,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 60,000 |
| Pretax income | 269,000 | 526,000 | 716,000 | 976,000 |
| Income tax | 85,000 | 166,000 | 224,000 | 309,000 |
| Net income | 184,000 | 360,000 | 492,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,918,000 | 5,034,000 | 5,068,000 | 5,063,000 |
| Total capital | 5,461,000 | 5,592,000 | 5,618,000 | 5,607,000 |
| Risk-weighted assets | 46,835,000 | 48,516,000 | 50,629,000 | 49,324,000 |
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