Call reports 2009
FIRST COMMUNITY BANK XENIA-FLORA — 2009
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 33,450,000 | 34,227,000 | 33,467,000 | 33,370,000 |
| Total loans | 21,065,000 | 20,896,000 | 21,062,000 | 22,324,000 |
| Allowance for loan losses | 166,000 | 167,000 | 167,000 | 167,000 |
| Securities available for sale | 8,293,000 | 8,719,000 | 8,928,000 | 8,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,990,000 | 26,809,000 | 25,572,000 | 25,353,000 |
| Interest-bearing deposits | 22,257,000 | 22,735,000 | 21,542,000 | 20,705,000 |
| Noninterest-bearing deposits | 3,733,000 | 4,074,000 | 4,030,000 | 4,648,000 |
| Equity capital | 4,109,000 | 4,057,000 | 4,278,000 | 4,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 436,000 | 864,000 | 1,282,000 | 1,675,000 |
| Interest expense | 111,000 | 213,000 | 312,000 | 397,000 |
| Net interest income | 325,000 | 651,000 | 970,000 | 1,278,000 |
| Noninterest income | 36,000 | 73,000 | 106,000 | 145,000 |
| Noninterest expense | 204,000 | 442,000 | 646,000 | 901,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 157,000 | 277,000 | 425,000 | 517,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 154,000 | 274,000 | 422,000 | 514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,012,000 | 3,982,000 | 4,041,000 | 4,132,000 |
| Total capital | 4,178,000 | 4,149,000 | 4,208,000 | 4,299,000 |
| Risk-weighted assets | 33,529,000 | 34,329,000 | 33,407,000 | 33,402,000 |
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