Call reports 2012
FIRST CENTRAL BANK — 2012
What FIRST CENTRAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 84,003,000 | 85,806,000 | 82,868,000 | 86,667,000 |
| Total loans | 52,198,000 | 56,427,000 | 58,167,000 | 55,180,000 |
| Allowance for loan losses | 778,000 | 873,000 | 853,000 | 693,000 |
| Securities available for sale | 4,959,000 | 5,189,000 | 4,923,000 | 3,797,000 |
| Securities held to maturity | 8,388,000 | 8,754,000 | 8,466,000 | 8,530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,947,000 | 74,635,000 | 71,826,000 | 75,556,000 |
| Interest-bearing deposits | 63,565,000 | 62,970,000 | 62,570,000 | 64,391,000 |
| Noninterest-bearing deposits | 9,382,000 | 11,665,000 | 9,256,000 | 11,165,000 |
| Equity capital | 8,146,000 | 8,199,000 | 7,995,000 | 8,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 977,000 | 1,913,000 | 2,923,000 | 3,966,000 |
| Interest expense | 206,000 | 395,000 | 577,000 | 745,000 |
| Net interest income | 771,000 | 1,518,000 | 2,346,000 | 3,221,000 |
| Noninterest income | 90,000 | 169,000 | 267,000 | 480,000 |
| Noninterest expense | 554,000 | 1,101,000 | 1,616,000 | 2,110,000 |
| Provision for loan losses | 80,000 | 170,000 | 275,000 | 450,000 |
| Pretax income | 224,000 | 405,000 | 707,000 | 1,120,000 |
| Income tax | 29,000 | 93,000 | 168,000 | 309,000 |
| Net income | 195,000 | 312,000 | 539,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,091,000 | 8,126,000 | 7,957,000 | 8,114,000 |
| Total capital | 8,851,000 | 8,932,000 | 8,772,000 | 8,807,000 |
| Risk-weighted assets | 60,813,000 | 64,392,000 | 65,197,000 | 64,228,000 |