Call reports 2014
FIRST CENTRAL BANK — 2014
What FIRST CENTRAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 90,853,000 | 87,574,000 | 87,518,000 | 86,956,000 |
| Total loans | 67,221,000 | 64,415,000 | 65,793,000 | 64,852,000 |
| Allowance for loan losses | 1,028,000 | 1,076,000 | 1,094,000 | 1,039,000 |
| Securities available for sale | 4,631,000 | 3,952,000 | 3,765,000 | 3,795,000 |
| Securities held to maturity | 8,077,000 | 7,954,000 | 8,599,000 | 8,721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,178,000 | 75,768,000 | 75,574,000 | 75,042,000 |
| Interest-bearing deposits | 66,596,000 | 65,238,000 | 65,426,000 | 64,223,000 |
| Noninterest-bearing deposits | 12,582,000 | 10,530,000 | 10,148,000 | 10,819,000 |
| Equity capital | 8,746,000 | 8,885,000 | 8,977,000 | 9,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 973,000 | 1,977,000 | 2,996,000 | 4,020,000 |
| Interest expense | 152,000 | 310,000 | 467,000 | 617,000 |
| Net interest income | 821,000 | 1,667,000 | 2,529,000 | 3,403,000 |
| Noninterest income | 122,000 | 240,000 | 355,000 | 656,000 |
| Noninterest expense | 547,000 | 1,144,000 | 1,736,000 | 2,314,000 |
| Provision for loan losses | 65,000 | 155,000 | 225,000 | 320,000 |
| Pretax income | 331,000 | 608,000 | 923,000 | 1,424,000 |
| Income tax | 87,000 | 156,000 | 252,000 | 407,000 |
| Net income | 244,000 | 452,000 | 671,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,798,000 | 8,922,000 | 9,014,000 | 9,147,000 |
| Total capital | 9,732,000 | 9,819,000 | 9,927,000 | 10,052,000 |
| Risk-weighted assets | 74,615,000 | 71,566,000 | 72,863,000 | 72,248,000 |
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