Call reports 2022
FIRST CREDIT BANK — 2022
What FIRST CREDIT BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 498,852,000 | 512,496,000 | 524,065,000 | 581,115,000 |
| Total loans | 391,563,000 | 409,750,000 | 409,966,000 | 464,068,000 |
| Allowance for loan losses | 10,450,000 | 10,736,000 | 10,736,000 | 12,421,000 |
| Securities available for sale | 8,604,000 | 8,199,000 | 8,383,000 | 8,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,228,000 | 297,948,000 | 302,638,000 | 359,791,000 |
| Interest-bearing deposits | 218,599,000 | 254,361,000 | 263,293,000 | 321,642,000 |
| Noninterest-bearing deposits | 67,629,000 | 43,587,000 | 39,345,000 | 38,149,000 |
| Equity capital | 207,789,000 | 208,389,000 | 213,839,000 | 216,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 8,051,000 | 16,239,000 | 25,844,000 | 36,877,000 |
| Interest expense | 319,000 | 683,000 | 1,418,000 | 2,988,000 |
| Net interest income | 7,732,000 | 15,556,000 | 24,426,000 | 33,889,000 |
| Noninterest income | 51,000 | 97,000 | 212,000 | 323,000 |
| Noninterest expense | 1,181,000 | 2,003,000 | 1,427,000 | 2,376,000 |
| Provision for loan losses | 678,000 | 964,000 | 964,000 | 2,649,000 |
| Pretax income | 5,877,000 | 12,607,000 | 22,129,000 | 29,071,000 |
| Income tax | 640,000 | 994,000 | 1,327,000 | 1,546,000 |
| Net income | 5,237,000 | 11,613,000 | 20,802,000 | 27,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 207,089,000 | 208,076,000 | 213,826,000 | 216,687,000 |
| Total capital | 213,283,000 | 214,494,000 | 220,206,000 | 223,769,000 |
| Risk-weighted assets | 490,542,000 | 508,587,000 | 505,659,000 | 560,715,000 |