Call reports 2010
FIRST CENTRAL BANK — 2010
What FIRST CENTRAL BANK 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 | 75,369,000 | 76,737,000 | 78,311,000 | 78,416,000 |
| Total loans | 53,955,000 | 56,307,000 | 58,884,000 | 58,068,000 |
| Allowance for loan losses | 530,000 | 643,000 | 620,000 | 663,000 |
| Securities available for sale | 5,240,000 | 5,554,000 | 6,235,000 | 6,127,000 |
| Securities held to maturity | 7,545,000 | 7,580,000 | 7,422,000 | 7,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,125,000 | 65,394,000 | 66,626,000 | 67,692,000 |
| Interest-bearing deposits | 58,157,000 | 59,124,000 | 60,115,000 | 60,460,000 |
| Noninterest-bearing deposits | 5,968,000 | 6,270,000 | 6,511,000 | 7,232,000 |
| Equity capital | 7,309,000 | 7,372,000 | 7,564,000 | 7,710,000 |
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 | 998,000 | 2,041,000 | 3,131,000 | 4,210,000 |
| Interest expense | 314,000 | 635,000 | 959,000 | 1,260,000 |
| Net interest income | 684,000 | 1,406,000 | 2,172,000 | 2,950,000 |
| Noninterest income | 94,000 | 190,000 | 289,000 | 487,000 |
| Noninterest expense | 552,000 | 1,128,000 | 1,697,000 | 2,265,000 |
| Provision for loan losses | 70,000 | 270,000 | 330,000 | 500,000 |
| Pretax income | 157,000 | 200,000 | 436,000 | 675,000 |
| Income tax | 34,000 | 24,000 | 85,000 | 148,000 |
| Net income | 123,000 | 176,000 | 351,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,206,000 | 7,259,000 | 7,434,000 | 7,611,000 |
| Total capital | 7,736,000 | 7,902,000 | 8,054,000 | 8,274,000 |
| Risk-weighted assets | 60,672,000 | 62,460,000 | 64,657,000 | 64,073,000 |
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