Call reports 2007
FIRST COMMUNITY BANK XENIA-FLORA — 2007
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 31,889,000 | 31,581,000 | 31,252,000 | 32,240,000 |
| Total loans | 19,424,000 | 19,430,000 | 19,777,000 | 21,086,000 |
| Allowance for loan losses | 160,000 | 161,000 | 165,000 | 161,000 |
| Securities available for sale | 8,853,000 | 10,001,000 | 10,038,000 | 9,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,967,000 | 24,917,000 | 24,490,000 | 24,081,000 |
| Interest-bearing deposits | 20,837,000 | 20,805,000 | 20,450,000 | 19,733,000 |
| Noninterest-bearing deposits | 4,130,000 | 4,112,000 | 4,040,000 | 4,348,000 |
| Equity capital | 3,810,000 | 3,668,000 | 3,829,000 | 3,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 540,000 | 1,085,000 | 1,649,000 | 2,205,000 |
| Interest expense | 218,000 | 430,000 | 641,000 | 832,000 |
| Net interest income | 322,000 | 655,000 | 1,008,000 | 1,373,000 |
| Noninterest income | 38,000 | 72,000 | 106,000 | 132,000 |
| Noninterest expense | 225,000 | 444,000 | 669,000 | 927,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 135,000 | 283,000 | 445,000 | 553,000 |
| Income tax | 2,000 | 3,000 | 3,000 | 3,000 |
| Net income | 133,000 | 280,000 | 442,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,831,000 | 3,782,000 | 3,809,000 | 3,917,000 |
| Total capital | 3,991,000 | 3,943,000 | 3,974,000 | 4,078,000 |
| Risk-weighted assets | 32,070,000 | 31,906,000 | 31,447,000 | 32,391,000 |
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