Call reports 2023
FIRST CENTRAL BANK — 2023
What FIRST CENTRAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 126,484,000 | 129,934,000 | 128,965,000 | 128,766,000 |
| Total loans | 93,945,000 | 98,212,000 | 105,846,000 | 104,041,000 |
| Allowance for loan losses | 1,698,000 | 1,725,000 | 1,694,000 | 1,780,000 |
| Securities available for sale | 1,624,000 | 1,854,000 | 1,850,000 | 2,414,000 |
| Securities held to maturity | 11,823,000 | 11,500,000 | 11,429,000 | 10,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,116,000 | 111,740,000 | 110,090,000 | 109,838,000 |
| Interest-bearing deposits | 89,133,000 | 91,144,000 | 90,574,000 | 87,982,000 |
| Noninterest-bearing deposits | 19,983,000 | 20,596,000 | 19,516,000 | 21,856,000 |
| Equity capital | 12,829,000 | 13,305,000 | 13,728,000 | 13,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,754,000 | 3,623,000 | 5,647,000 | 7,723,000 |
| Interest expense | 397,000 | 880,000 | 1,443,000 | 2,066,000 |
| Net interest income | 1,357,000 | 2,743,000 | 4,204,000 | 5,657,000 |
| Noninterest income | 136,000 | 268,000 | 403,000 | 545,000 |
| Noninterest expense | 833,000 | 1,742,000 | 2,588,000 | 3,548,000 |
| Provision for loan losses | 22,000 | 45,000 | 55,000 | 71,000 |
| Pretax income | 638,000 | 1,224,000 | 1,952,000 | 2,571,000 |
| Income tax | 129,000 | 255,000 | 403,000 | 543,000 |
| Net income | 509,000 | 969,000 | 1,549,000 | 2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,921,000 | 13,382,000 | 13,811,000 | 13,990,000 |
| Total capital | — | — | 15,300,000 | 15,519,000 |
| Risk-weighted assets | — | — | 118,896,000 | 122,005,000 |