Call reports 2021
FIRST CREDIT BANK — 2021
What FIRST CREDIT BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 438,345,000 | 441,344,000 | 444,196,000 | 484,000,000 |
| Total loans | 313,497,000 | 300,538,000 | 307,515,000 | 394,322,000 |
| Allowance for loan losses | 7,988,000 | 7,988,000 | 7,988,000 | 9,372,000 |
| Securities available for sale | 8,726,000 | 8,908,000 | 8,841,000 | 8,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,182,000 | 234,794,000 | 233,315,000 | 277,612,000 |
| Interest-bearing deposits | 176,248,000 | 178,078,000 | 182,010,000 | 213,945,000 |
| Noninterest-bearing deposits | 57,934,000 | 56,716,000 | 51,305,000 | 63,667,000 |
| Equity capital | 199,628,000 | 200,880,000 | 203,552,000 | 203,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,271,000 | 12,636,000 | 19,177,000 | 25,360,000 |
| Interest expense | 401,000 | 755,000 | 1,101,000 | 1,437,000 |
| Net interest income | 5,870,000 | 11,881,000 | 18,076,000 | 23,923,000 |
| Noninterest income | 5,000 | 13,000 | 35,000 | 1,720,000 |
| Noninterest expense | 1,041,000 | 2,090,000 | 3,010,000 | 4,601,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,419,000 |
| Pretax income | 5,207,000 | 10,180,000 | 15,472,000 | 16,986,000 |
| Income tax | 175,000 | 14,000 | 233,000 | 114,000 |
| Net income | 5,032,000 | 10,166,000 | 15,239,000 | 16,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 198,342,000 | 199,415,000 | 202,148,000 | 201,852,000 |
| Total capital | 203,401,000 | 204,150,000 | 207,094,000 | 208,130,000 |
| Risk-weighted assets | 400,931,000 | 374,822,000 | 391,806,000 | 498,383,000 |
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