Call reports 2019
FIRST CENTRAL BANK — 2019
What FIRST CENTRAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 110,042,000 | 112,927,000 | 111,286,000 | 111,154,000 |
| Total loans | 80,291,000 | 81,647,000 | 81,849,000 | 80,144,000 |
| Allowance for loan losses | 1,842,000 | 1,934,000 | 1,982,000 | 2,027,000 |
| Securities available for sale | 3,510,000 | 3,014,000 | 3,391,000 | 2,743,000 |
| Securities held to maturity | 8,555,000 | 8,558,000 | 8,560,000 | 8,904,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,605,000 | 96,444,000 | 94,370,000 | 94,192,000 |
| Interest-bearing deposits | 81,467,000 | 83,316,000 | 80,702,000 | 81,330,000 |
| Noninterest-bearing deposits | 12,138,000 | 13,127,000 | 13,668,000 | 12,862,000 |
| Equity capital | 11,088,000 | 11,073,000 | 11,397,000 | 11,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,353,000 | 2,746,000 | 4,172,000 | 5,438,000 |
| Interest expense | 344,000 | 706,000 | 1,079,000 | 1,440,000 |
| Net interest income | 1,009,000 | 2,040,000 | 3,093,000 | 3,998,000 |
| Noninterest income | 130,000 | 290,000 | 435,000 | 582,000 |
| Noninterest expense | 773,000 | 1,548,000 | 2,358,000 | 3,166,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 321,000 | 692,000 | 1,035,000 | 1,234,000 |
| Income tax | 61,000 | 134,000 | 205,000 | 278,000 |
| Net income | 260,000 | 558,000 | 830,000 | 956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,061,000 | 11,073,000 | 11,394,000 | 11,230,000 |
| Total capital | 12,272,000 | 12,130,000 | 12,356,000 | 12,434,000 |
| Risk-weighted assets | 96,239,000 | 83,679,000 | 75,957,000 | 95,511,000 |
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