Call reports 2018
FIRST CREDIT BANK — 2018
What FIRST CREDIT BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 447,434,000 | 464,736,000 | 486,121,000 | 477,796,000 |
| Total loans | 318,335,000 | 325,096,000 | 321,720,000 | 278,124,000 |
| Allowance for loan losses | 12,025,000 | 12,025,000 | 11,550,000 | 8,275,000 |
| Securities available for sale | 28,202,000 | 28,150,000 | 28,036,000 | 26,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,951,000 | 268,739,000 | 285,743,000 | 275,971,000 |
| Interest-bearing deposits | 229,822,000 | 215,926,000 | 224,365,000 | 217,449,000 |
| Noninterest-bearing deposits | 27,129,000 | 52,813,000 | 61,378,000 | 58,522,000 |
| Equity capital | 183,055,000 | 186,748,000 | 191,036,000 | 196,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,932,000 | 14,731,000 | 22,870,000 | 31,892,000 |
| Interest expense | 651,000 | 1,353,000 | 2,208,000 | 3,165,000 |
| Net interest income | 6,281,000 | 13,378,000 | 20,662,000 | 28,727,000 |
| Noninterest income | 8,000 | 11,000 | 19,000 | 622,000 |
| Noninterest expense | 1,223,000 | 1,871,000 | 2,405,000 | 2,793,000 |
| Provision for loan losses | -640,000 | -640,000 | -1,115,000 | -2,640,000 |
| Pretax income | 5,706,000 | 12,158,000 | 19,391,000 | 29,196,000 |
| Income tax | 210,000 | 455,000 | 662,000 | 831,000 |
| Net income | 5,496,000 | 11,703,000 | 18,729,000 | 28,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 180,248,000 | 184,233,000 | 188,632,000 | 195,357,000 |
| Total capital | 185,233,000 | 189,329,000 | 193,724,000 | 199,881,000 |
| Risk-weighted assets | 391,296,000 | 400,401,000 | 400,602,000 | 357,917,000 |