Call reports 2011
FIRST CREDIT BANK — 2011
What FIRST CREDIT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 489,104,000 | 488,278,000 | 459,860,000 | 441,819,000 |
| Total loans | 389,470,000 | 346,648,000 | 343,389,000 | 333,253,000 |
| Allowance for loan losses | 20,468,000 | 20,468,000 | 20,468,000 | 16,750,000 |
| Securities available for sale | 29,807,000 | 33,510,000 | 34,842,000 | 40,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,648,000 | 350,477,000 | 319,335,000 | 314,117,000 |
| Interest-bearing deposits | 337,431,000 | 336,029,000 | 305,795,000 | 294,350,000 |
| Noninterest-bearing deposits | 16,217,000 | 14,448,000 | 13,540,000 | 19,767,000 |
| Equity capital | 130,862,000 | 132,041,000 | 132,656,000 | 124,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,356,000 | 17,379,000 | 25,093,000 | 32,340,000 |
| Interest expense | 1,234,000 | 2,466,000 | 3,555,000 | 4,491,000 |
| Net interest income | 7,122,000 | 14,913,000 | 21,538,000 | 27,849,000 |
| Noninterest income | 9,000 | 1,004,000 | 152,000 | 175,000 |
| Noninterest expense | 1,246,000 | 2,650,000 | 4,327,000 | 5,163,000 |
| Provision for loan losses | 0 | 0 | 0 | -3,718,000 |
| Pretax income | 5,885,000 | 13,267,000 | 17,363,000 | 26,579,000 |
| Income tax | 202,000 | 505,000 | 677,000 | 730,000 |
| Net income | 5,683,000 | 12,762,000 | 16,686,000 | 25,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,125,000 | 131,006,000 | 131,659,000 | 123,115,000 |
| Total capital | 135,686,000 | 136,041,000 | 136,592,000 | 128,176,000 |
| Risk-weighted assets | 422,689,000 | 382,861,000 | 378,907,000 | 392,987,000 |
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