Call reports 2019
FIRST CREDIT BANK — 2019
What FIRST CREDIT BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 436,598,000 | 455,664,000 | 454,648,000 | 421,674,000 |
| Total loans | 327,839,000 | 302,702,000 | 317,609,000 | 265,887,000 |
| Allowance for loan losses | 9,800,000 | 8,758,000 | 8,758,000 | 7,158,000 |
| Securities available for sale | 27,988,000 | 28,461,000 | 28,496,000 | 21,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,437,000 | 245,448,000 | 240,092,000 | 227,918,000 |
| Interest-bearing deposits | 203,387,000 | 190,609,000 | 183,383,000 | 198,208,000 |
| Noninterest-bearing deposits | 26,050,000 | 54,839,000 | 56,709,000 | 29,710,000 |
| Equity capital | 200,369,000 | 202,510,000 | 205,284,000 | 188,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,984,000 | 14,606,000 | 22,274,000 | 31,740,000 |
| Interest expense | 910,000 | 1,885,000 | 2,885,000 | 3,843,000 |
| Net interest income | 6,074,000 | 12,721,000 | 19,389,000 | 27,897,000 |
| Noninterest income | 7,000 | 21,000 | 29,000 | 38,000 |
| Noninterest expense | 1,676,000 | 2,047,000 | 2,411,000 | 7,084,000 |
| Provision for loan losses | 1,525,000 | 483,000 | 483,000 | 8,723,000 |
| Pretax income | 2,880,000 | 10,212,000 | 16,524,000 | 12,140,000 |
| Income tax | 208,000 | 590,000 | 1,046,000 | 901,000 |
| Net income | 2,672,000 | 9,622,000 | 15,478,000 | 11,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 198,041,000 | 199,818,000 | 202,593,000 | 185,705,000 |
| Total capital | 203,415,000 | 204,900,000 | 207,853,000 | 190,150,000 |
| Risk-weighted assets | 424,318,000 | 401,938,000 | 416,437,000 | 352,144,000 |