Call reports 2024
FIRST CENTRAL BANK — 2024
What FIRST CENTRAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 132,907,000 | 132,441,000 | 129,822,000 | 132,979,000 |
| Total loans | 101,952,000 | 102,417,000 | 104,853,000 | 106,690,000 |
| Allowance for loan losses | 1,991,000 | 1,945,000 | 2,083,000 | 1,824,000 |
| Securities available for sale | 3,207,000 | 3,201,000 | 3,728,000 | 3,687,000 |
| Securities held to maturity | 11,234,000 | 10,675,000 | 11,639,000 | 10,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,787,000 | 113,090,000 | 108,768,000 | 113,529,000 |
| Interest-bearing deposits | 93,098,000 | 91,832,000 | 90,283,000 | 91,176,000 |
| Noninterest-bearing deposits | 20,689,000 | 21,258,000 | 18,485,000 | 22,353,000 |
| Equity capital | 14,323,000 | 14,752,000 | 15,006,000 | 15,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,419,000 | 4,500,000 | 6,578,000 | 8,671,000 |
| Interest expense | 656,000 | 1,337,000 | 2,045,000 | 2,744,000 |
| Net interest income | 1,763,000 | 3,163,000 | 4,533,000 | 5,927,000 |
| Noninterest income | 134,000 | 280,000 | 406,000 | 834,000 |
| Noninterest expense | 839,000 | 1,695,000 | 2,518,000 | 3,538,000 |
| Provision for loan losses | 24,000 | 24,000 | 24,000 | 23,000 |
| Pretax income | 1,035,000 | 1,725,000 | 2,398,000 | 3,188,000 |
| Income tax | 212,000 | 354,000 | 504,000 | 661,000 |
| Net income | 823,000 | 1,371,000 | 1,894,000 | 2,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,413,000 | 14,861,000 | 15,035,000 | 15,266,000 |
| Total capital | 15,870,000 | 16,407,000 | 16,542,000 | 16,888,000 |
| Risk-weighted assets | 115,986,000 | 123,229,000 | 119,955,000 | 129,537,000 |