Call reports 2013
FIRST CREDIT BANK — 2013
What FIRST CREDIT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 374,373,000 | 382,824,000 | 372,882,000 | 404,991,000 |
| Total loans | 244,386,000 | 249,933,000 | 282,753,000 | 302,776,000 |
| Allowance for loan losses | 15,000,000 | 15,000,000 | 15,000,000 | 13,180,000 |
| Securities available for sale | 35,256,000 | 34,028,000 | 35,351,000 | 34,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,504,000 | 233,734,000 | 220,389,000 | 250,633,000 |
| Interest-bearing deposits | 219,539,000 | 217,637,000 | 203,893,000 | 227,746,000 |
| Noninterest-bearing deposits | 9,965,000 | 16,097,000 | 16,496,000 | 22,887,000 |
| Equity capital | 141,394,000 | 144,210,000 | 146,279,000 | 151,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,731,000 | 16,976,000 | 24,040,000 | 31,551,000 |
| Interest expense | 709,000 | 1,265,000 | 1,739,000 | 2,170,000 |
| Net interest income | 5,022,000 | 15,711,000 | 22,301,000 | 29,381,000 |
| Noninterest income | 244,000 | 449,000 | 868,000 | 1,443,000 |
| Noninterest expense | 1,014,000 | 2,335,000 | 3,271,000 | 4,360,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,820,000 |
| Pretax income | 4,252,000 | 13,825,000 | 19,898,000 | 28,284,000 |
| Income tax | 140,000 | 365,000 | 574,000 | 695,000 |
| Net income | 4,112,000 | 13,460,000 | 19,324,000 | 27,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 137,690,000 | 142,074,000 | 144,788,000 | 149,928,000 |
| Total capital | 141,705,000 | 146,108,000 | 149,198,000 | 154,619,000 |
| Risk-weighted assets | 291,672,000 | 299,438,000 | 334,758,000 | 359,328,000 |
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