Call reports 2018
FIRST CENTRAL BANK — 2018
What FIRST CENTRAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 101,008,000 | 102,136,000 | 103,178,000 | 104,749,000 |
| Total loans | 76,095,000 | 79,919,000 | 82,984,000 | 82,366,000 |
| Allowance for loan losses | 1,845,000 | 1,881,000 | 1,928,000 | 2,071,000 |
| Securities available for sale | 3,904,000 | 3,752,000 | 3,764,000 | 3,741,000 |
| Securities held to maturity | 8,784,000 | 8,850,000 | 8,788,000 | 8,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,363,000 | 87,681,000 | 88,314,000 | 90,259,000 |
| Interest-bearing deposits | 76,163,000 | 74,999,000 | 76,503,000 | 76,824,000 |
| Noninterest-bearing deposits | 11,200,000 | 12,682,000 | 11,811,000 | 13,435,000 |
| Equity capital | 10,536,000 | 10,664,000 | 11,004,000 | 10,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,311,000 | 2,739,000 | 4,125,000 | 5,516,000 |
| Interest expense | 224,000 | 458,000 | 723,000 | 1,023,000 |
| Net interest income | 1,087,000 | 2,281,000 | 3,402,000 | 4,493,000 |
| Noninterest income | 89,000 | 196,000 | 284,000 | 384,000 |
| Noninterest expense | 646,000 | 1,297,000 | 1,940,000 | 2,614,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 280,000 |
| Pretax income | 485,000 | 1,090,000 | 1,611,000 | 1,983,000 |
| Income tax | 81,000 | 208,000 | 314,000 | 415,000 |
| Net income | 404,000 | 882,000 | 1,297,000 | 1,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,536,000 | 10,704,000 | 11,004,000 | 10,975,000 |
| Total capital | 11,665,000 | 11,816,000 | 12,113,000 | 12,171,000 |
| Risk-weighted assets | 89,624,000 | 88,176,000 | 87,901,000 | 94,808,000 |
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