Call reports 2005
FIRST CENTRAL BANK — 2005
What FIRST CENTRAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 60,818,000 | 62,984,000 | 61,350,000 | 60,849,000 |
| Total loans | 43,045,000 | 44,312,000 | 44,594,000 | 40,980,000 |
| Allowance for loan losses | 426,000 | 477,000 | 494,000 | 490,000 |
| Securities available for sale | 8,974,000 | 8,965,000 | 8,900,000 | 9,449,000 |
| Securities held to maturity | 2,094,000 | 2,262,000 | 1,897,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,622,000 | 52,811,000 | 49,772,000 | 51,244,000 |
| Interest-bearing deposits | 45,949,000 | 47,977,000 | 45,272,000 | 46,169,000 |
| Noninterest-bearing deposits | 4,673,000 | 4,834,000 | 4,500,000 | 5,075,000 |
| Equity capital | 4,988,000 | 5,025,000 | 5,087,000 | 4,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 901,000 | 1,866,000 | 2,872,000 | 3,878,000 |
| Interest expense | 300,000 | 620,000 | 958,000 | 1,311,000 |
| Net interest income | 601,000 | 1,246,000 | 1,914,000 | 2,567,000 |
| Noninterest income | 89,000 | 198,000 | 293,000 | 390,000 |
| Noninterest expense | 508,000 | 1,020,000 | 1,552,000 | 2,028,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 167,000 | 394,000 | 625,000 | 899,000 |
| Income tax | 53,000 | 127,000 | 201,000 | 295,000 |
| Net income | 114,000 | 267,000 | 424,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,037,000 | 5,080,000 | 5,187,000 | 5,112,000 |
| Total capital | 5,463,000 | 5,557,000 | 5,681,000 | 5,602,000 |
| Risk-weighted assets | 47,876,000 | 49,410,000 | 49,638,000 | 46,688,000 |