Call reports 2021
FIRST CENTRAL BANK — 2021
What FIRST CENTRAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 117,102,000 | 118,952,000 | 118,994,000 | 120,132,000 |
| Total loans | 83,731,000 | 86,100,000 | 84,118,000 | 85,761,000 |
| Allowance for loan losses | 1,906,000 | 1,967,000 | 2,004,000 | 1,949,000 |
| Securities available for sale | 1,593,000 | 2,036,000 | 1,507,000 | 1,245,000 |
| Securities held to maturity | 8,395,000 | 9,610,000 | 12,264,000 | 12,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,389,000 | 100,886,000 | 100,928,000 | 102,394,000 |
| Interest-bearing deposits | 81,785,000 | 83,247,000 | 82,265,000 | 80,509,000 |
| Noninterest-bearing deposits | 17,604,000 | 17,639,000 | 18,663,000 | 21,885,000 |
| Equity capital | 12,210,000 | 12,371,000 | 12,300,000 | 12,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,436,000 | 2,748,000 | 3,901,000 | 4,970,000 |
| Interest expense | 200,000 | 390,000 | 575,000 | 751,000 |
| Net interest income | 1,236,000 | 2,358,000 | 3,326,000 | 4,219,000 |
| Noninterest income | 122,000 | 261,000 | 386,000 | 508,000 |
| Noninterest expense | 779,000 | 1,585,000 | 2,414,000 | 3,254,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 534,000 | 944,000 | 1,163,000 | 1,293,000 |
| Income tax | 102,000 | 198,000 | 241,000 | 275,000 |
| Net income | 432,000 | 746,000 | 922,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,210,000 | 12,371,000 | 12,353,000 | 12,240,000 |
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