Call reports 2015
FIRST CENTRAL BANK — 2015
What FIRST CENTRAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 88,156,000 | 93,319,000 | 94,311,000 | 93,535,000 |
| Total loans | 64,759,000 | 71,201,000 | 74,264,000 | 71,259,000 |
| Allowance for loan losses | 1,037,000 | 1,122,000 | 1,180,000 | 1,254,000 |
| Securities available for sale | 3,821,000 | 3,813,000 | 3,724,000 | 3,722,000 |
| Securities held to maturity | 8,512,000 | 8,812,000 | 9,112,000 | 9,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,964,000 | 80,826,000 | 81,507,000 | 81,092,000 |
| Interest-bearing deposits | 66,467,000 | 69,661,000 | 71,374,000 | 70,417,000 |
| Noninterest-bearing deposits | 9,498,000 | 11,165,000 | 10,133,000 | 10,675,000 |
| Equity capital | 9,310,000 | 9,483,000 | 9,707,000 | 9,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 993,000 | 2,046,000 | 3,171,000 | 4,296,000 |
| Interest expense | 147,000 | 299,000 | 456,000 | 625,000 |
| Net interest income | 846,000 | 1,747,000 | 2,715,000 | 3,671,000 |
| Noninterest income | 122,000 | 253,000 | 395,000 | 1,470,000 |
| Noninterest expense | 567,000 | 1,172,000 | 1,798,000 | 2,434,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 352,000 | 734,000 | 1,173,000 | 2,523,000 |
| Income tax | 94,000 | 231,000 | 359,000 | 816,000 |
| Net income | 258,000 | 503,000 | 814,000 | 1,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,306,000 | 9,487,000 | 9,711,000 | 9,295,000 |
| Total capital | 10,177,000 | 10,121,000 | 10,309,000 | 10,448,000 |
| Risk-weighted assets | 69,490,000 | 50,252,000 | 47,269,000 | 92,176,000 |
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