Call reports 2015
FIRST CENTRAL NATIONAL BANK OF SAINT PARIS, THE — 2015
What FIRST CENTRAL NATIONAL BANK OF SAINT PARIS, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 88,238,000 | 88,556,000 | 87,318,000 | 87,665,000 |
| Total loans | 51,749,000 | 52,290,000 | 53,286,000 | 52,195,000 |
| Allowance for loan losses | 410,000 | 440,000 | 442,000 | 451,000 |
| Securities available for sale | 22,377,000 | 22,632,000 | 22,922,000 | 22,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,319,000 | 72,656,000 | 70,989,000 | 71,363,000 |
| Interest-bearing deposits | 61,020,000 | 62,552,000 | 60,721,000 | 61,027,000 |
| Noninterest-bearing deposits | 11,299,000 | 10,104,000 | 10,268,000 | 10,336,000 |
| Equity capital | 14,789,000 | 14,700,000 | 15,058,000 | 15,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 747,000 | 1,503,000 | 2,271,000 | 3,034,000 |
| Interest expense | 90,000 | 181,000 | 275,000 | 370,000 |
| Net interest income | 657,000 | 1,322,000 | 1,996,000 | 2,664,000 |
| Noninterest income | 92,000 | 177,000 | 265,000 | 353,000 |
| Noninterest expense | 583,000 | 1,142,000 | 1,674,000 | 2,215,000 |
| Provision for loan losses | 6,000 | 25,000 | 34,000 | 43,000 |
| Pretax income | 160,000 | 332,000 | 553,000 | 759,000 |
| Income tax | 33,000 | 70,000 | 124,000 | 174,000 |
| Net income | 127,000 | 262,000 | 429,000 | 585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,789,000 | 14,837,000 | 15,005,000 | 15,035,000 |
| Total capital | 15,199,000 | 15,277,000 | 15,447,000 | 15,486,000 |
| Risk-weighted assets | 57,607,000 | 57,896,000 | 59,247,000 | 59,269,000 |