Call reports 2008
FIRST COMMUNITY BANK XENIA-FLORA — 2008
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 33,802,000 | 34,167,000 | 32,045,000 | 32,560,000 |
| Total loans | 19,920,000 | 20,056,000 | 19,878,000 | 21,056,000 |
| Allowance for loan losses | 171,000 | 171,000 | 172,000 | 164,000 |
| Securities available for sale | 8,559,000 | 8,386,000 | 9,660,000 | 8,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,013,000 | 26,694,000 | 24,840,000 | 24,791,000 |
| Interest-bearing deposits | 20,939,000 | 21,355,000 | 19,970,000 | 20,869,000 |
| Noninterest-bearing deposits | 5,074,000 | 5,339,000 | 4,870,000 | 3,922,000 |
| Equity capital | 4,104,000 | 3,796,000 | 3,756,000 | 4,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,056,000 | 1,563,000 | 2,038,000 |
| Interest expense | 190,000 | 363,000 | 522,000 | 656,000 |
| Net interest income | 355,000 | 693,000 | 1,041,000 | 1,382,000 |
| Noninterest income | 37,000 | 72,000 | 83,000 | 121,000 |
| Noninterest expense | 209,000 | 447,000 | 645,000 | 902,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 183,000 | 318,000 | 370,000 | 487,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 181,000 | 316,000 | 368,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,949,000 | 3,828,000 | 3,835,000 | 3,952,000 |
| Total capital | 4,120,000 | 3,999,000 | 4,007,000 | 4,116,000 |
| Risk-weighted assets | 33,892,000 | 34,398,000 | 32,306,000 | 32,675,000 |
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