Call reports 2007
FIRST CENTRAL BANK — 2007
What FIRST CENTRAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 64,906,000 | 65,795,000 | 65,911,000 | 64,963,000 |
| Total loans | 45,588,000 | 46,921,000 | 46,324,000 | 46,192,000 |
| Allowance for loan losses | 536,000 | 531,000 | 525,000 | 518,000 |
| Securities available for sale | 9,545,000 | 9,029,000 | 7,808,000 | 6,882,000 |
| Securities held to maturity | 2,999,000 | 3,376,000 | 4,088,000 | 4,406,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,427,000 | 56,045,000 | 56,192,000 | 56,038,000 |
| Interest-bearing deposits | 49,317,000 | 49,716,000 | 50,454,000 | 50,787,000 |
| Noninterest-bearing deposits | 6,110,000 | 6,329,000 | 5,738,000 | 5,251,000 |
| Equity capital | 5,231,000 | 5,435,000 | 5,607,000 | 5,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,126,000 | 2,299,000 | 3,475,000 | 4,596,000 |
| Interest expense | 487,000 | 1,009,000 | 1,538,000 | 2,075,000 |
| Net interest income | 639,000 | 1,290,000 | 1,937,000 | 2,521,000 |
| Noninterest income | 112,000 | 229,000 | 340,000 | 551,000 |
| Noninterest expense | 551,000 | 1,056,000 | 1,599,000 | 2,113,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 200,000 | 463,000 | 628,000 | 859,000 |
| Income tax | 62,000 | 142,000 | 188,000 | 254,000 |
| Net income | 138,000 | 321,000 | 440,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,332,000 | 5,515,000 | 5,634,000 | 5,635,000 |
| Total capital | 5,868,000 | 6,046,000 | 6,159,000 | 6,153,000 |
| Risk-weighted assets | 50,810,000 | 53,244,000 | 53,030,000 | 52,988,000 |
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