Call reports 2010
FIRST COMMUNITY BANK XENIA-FLORA — 2010
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 32,421,000 | 33,267,000 | 32,321,000 | 32,756,000 |
| Total loans | 20,904,000 | 21,181,000 | 21,728,000 | 23,226,000 |
| Allowance for loan losses | 174,000 | 177,000 | 177,000 | 167,000 |
| Securities available for sale | 8,577,000 | 8,800,000 | 8,415,000 | 7,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,529,000 | 24,569,000 | 23,222,000 | 23,566,000 |
| Interest-bearing deposits | 20,301,000 | 20,083,000 | 18,714,000 | 19,008,000 |
| Noninterest-bearing deposits | 4,228,000 | 4,486,000 | 4,508,000 | 4,558,000 |
| Equity capital | 4,304,000 | 4,311,000 | 4,464,000 | 4,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 397,000 | 798,000 | 1,202,000 | 1,593,000 |
| Interest expense | 84,000 | 171,000 | 253,000 | 328,000 |
| Net interest income | 313,000 | 627,000 | 949,000 | 1,265,000 |
| Noninterest income | 41,000 | 82,000 | 120,000 | 159,000 |
| Noninterest expense | 198,000 | 436,000 | 648,000 | 921,000 |
| Provision for loan losses | 0 | 0 | 0 | 13,000 |
| Pretax income | 156,000 | 273,000 | 460,000 | 530,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 151,000 | 268,000 | 455,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,172,000 | 4,134,000 | 4,237,000 | 4,306,000 |
| Total capital | 4,346,000 | 4,311,000 | 4,414,000 | 4,473,000 |
| Risk-weighted assets | 32,473,000 | 33,282,000 | 32,281,000 | 32,928,000 |
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