Call reports 2020
FIRST CENTRAL BANK — 2020
What FIRST CENTRAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 110,231,000 | 118,196,000 | 114,195,000 | 113,644,000 |
| Total loans | 81,157,000 | 89,672,000 | 86,895,000 | 83,234,000 |
| Allowance for loan losses | 2,049,000 | 1,847,000 | 1,880,000 | 1,842,000 |
| Securities available for sale | 2,596,000 | 2,577,000 | 2,212,000 | 1,807,000 |
| Securities held to maturity | 7,932,000 | 8,134,000 | 8,994,000 | 8,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,214,000 | 101,461,000 | 96,655,000 | 96,511,000 |
| Interest-bearing deposits | 79,338,000 | 86,924,000 | 83,454,000 | 80,065,000 |
| Noninterest-bearing deposits | 13,876,000 | 14,537,000 | 13,201,000 | 16,446,000 |
| Equity capital | 11,328,000 | 11,064,000 | 11,749,000 | 11,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,274,000 | 2,659,000 | 3,930,000 | 5,108,000 |
| Interest expense | 347,000 | 642,000 | 905,000 | 1,127,000 |
| Net interest income | 927,000 | 2,017,000 | 3,025,000 | 3,981,000 |
| Noninterest income | 232,000 | 377,000 | 500,000 | 345,000 |
| Noninterest expense | 790,000 | 1,447,000 | 2,295,000 | 2,813,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 324,000 | 857,000 | 1,095,000 | 1,333,000 |
| Income tax | 59,000 | 129,000 | 227,000 | 281,000 |
| Net income | 265,000 | 728,000 | 868,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,267,000 | 11,064,000 | 11,749,000 | 11,783,000 |