Call reports 2014
FIRST CREDIT BANK — 2014
What FIRST CREDIT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 385,083,000 | 391,861,000 | 400,006,000 | 385,114,000 |
| Total loans | 275,545,000 | 282,255,000 | 308,917,000 | 287,800,000 |
| Allowance for loan losses | 13,180,000 | 13,180,000 | 13,180,000 | 12,330,000 |
| Securities available for sale | 35,455,000 | 36,676,000 | 35,629,000 | 35,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,889,000 | 228,365,000 | 232,526,000 | 216,443,000 |
| Interest-bearing deposits | 203,175,000 | 207,384,000 | 211,448,000 | 196,524,000 |
| Noninterest-bearing deposits | 19,714,000 | 20,981,000 | 21,078,000 | 19,919,000 |
| Equity capital | 158,626,000 | 158,710,000 | 161,140,000 | 165,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,364,000 | 15,111,000 | 22,204,000 | 29,813,000 |
| Interest expense | 411,000 | 832,000 | 1,249,000 | 1,671,000 |
| Net interest income | 6,953,000 | 14,279,000 | 20,955,000 | 28,142,000 |
| Noninterest income | 181,000 | 471,000 | 547,000 | -2,485,000 |
| Noninterest expense | 839,000 | 1,891,000 | 2,845,000 | 3,854,000 |
| Provision for loan losses | 0 | 0 | 0 | -850,000 |
| Pretax income | 6,295,000 | 12,859,000 | 18,672,000 | 22,668,000 |
| Income tax | 212,000 | 675,000 | 942,000 | 747,000 |
| Net income | 6,083,000 | 12,184,000 | 17,730,000 | 21,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,010,000 | 155,195,000 | 157,708,000 | 161,898,000 |
| Total capital | 160,392,000 | 159,646,000 | 162,311,000 | 166,188,000 |
| Risk-weighted assets | 326,562,000 | 326,370,000 | 342,410,000 | 315,874,000 |
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