Call reports 2016
FIRST CENTRAL BANK — 2016
What FIRST CENTRAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 95,985,000 | 98,616,000 | 100,700,000 | 98,776,000 |
| Total loans | 74,053,000 | 79,156,000 | 82,489,000 | 79,615,000 |
| Allowance for loan losses | 1,288,000 | 1,379,000 | 1,409,000 | 1,573,000 |
| Securities available for sale | 4,084,000 | 4,136,000 | 4,116,000 | 3,948,000 |
| Securities held to maturity | 9,589,000 | 9,303,000 | 8,846,000 | 8,807,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,453,000 | 85,656,000 | 84,826,000 | 85,521,000 |
| Interest-bearing deposits | 72,465,000 | 76,471,000 | 74,748,000 | 74,474,000 |
| Noninterest-bearing deposits | 10,988,000 | 9,185,000 | 10,078,000 | 11,047,000 |
| Equity capital | 9,530,000 | 9,877,000 | 10,194,000 | 10,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,359,000 | 3,583,000 | 4,803,000 |
| Interest expense | 170,000 | 343,000 | 532,000 | 711,000 |
| Net interest income | 949,000 | 2,016,000 | 3,051,000 | 4,092,000 |
| Noninterest income | 84,000 | 164,000 | 257,000 | 341,000 |
| Noninterest expense | 646,000 | 1,282,000 | 1,904,000 | 2,543,000 |
| Provision for loan losses | 65,000 | 110,000 | 155,000 | 300,000 |
| Pretax income | 322,000 | 788,000 | 1,249,000 | 1,590,000 |
| Income tax | 91,000 | 246,000 | 380,000 | 500,000 |
| Net income | 231,000 | 542,000 | 869,000 | 1,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,530,000 | 9,827,000 | 10,153,000 | 10,296,000 |
| Total capital | 10,320,000 | 10,735,000 | 10,626,000 | 11,403,000 |
| Risk-weighted assets | 62,672,000 | 72,147,000 | 36,880,000 | 88,094,000 |