Call reports 2013
FIRST CENTRAL BANK — 2013
What FIRST CENTRAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 85,422,000 | 85,917,000 | 83,959,000 | 86,750,000 |
| Total loans | 57,682,000 | 59,244,000 | 63,357,000 | 64,521,000 |
| Allowance for loan losses | 775,000 | 856,000 | 955,000 | 1,016,000 |
| Securities available for sale | 3,432,000 | 4,522,000 | 4,127,000 | 4,518,000 |
| Securities held to maturity | 8,597,000 | 8,844,000 | 8,683,000 | 8,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,248,000 | 74,538,000 | 72,490,000 | 75,379,000 |
| Interest-bearing deposits | 64,865,000 | 64,942,000 | 63,516,000 | 65,632,000 |
| Noninterest-bearing deposits | 9,383,000 | 9,596,000 | 8,974,000 | 9,747,000 |
| Equity capital | 8,207,000 | 8,410,000 | 8,484,000 | 8,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 907,000 | 1,869,000 | 2,848,000 | 3,847,000 |
| Interest expense | 148,000 | 294,000 | 436,000 | 589,000 |
| Net interest income | 759,000 | 1,575,000 | 2,412,000 | 3,258,000 |
| Noninterest income | 114,000 | 234,000 | 366,000 | 521,000 |
| Noninterest expense | 550,000 | 1,093,000 | 1,662,000 | 2,174,000 |
| Provision for loan losses | 85,000 | 165,000 | 240,000 | 340,000 |
| Pretax income | 231,000 | 544,000 | 866,000 | 1,255,000 |
| Income tax | 51,000 | 135,000 | 240,000 | 384,000 |
| Net income | 180,000 | 409,000 | 626,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,184,000 | 8,413,000 | 8,546,000 | 8,688,000 |
| Total capital | 8,959,000 | 9,260,000 | 9,430,000 | 9,592,000 |
| Risk-weighted assets | 66,474,000 | 67,717,000 | 70,683,000 | 72,226,000 |
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