Call reports 2012
FIRST COMMUNITY BANK XENIA-FLORA — 2012
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 36,367,000 | 35,284,000 | 35,003,000 | 36,979,000 |
| Total loans | 20,728,000 | 21,298,000 | 21,856,000 | 22,883,000 |
| Allowance for loan losses | 170,000 | 168,000 | 168,000 | 168,000 |
| Securities available for sale | 9,219,000 | 9,674,000 | 9,142,000 | 8,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,247,000 | 26,157,000 | 25,783,000 | 27,719,000 |
| Interest-bearing deposits | 20,702,000 | 19,923,000 | 19,295,000 | 19,803,000 |
| Noninterest-bearing deposits | 6,545,000 | 6,234,000 | 6,488,000 | 7,916,000 |
| Equity capital | 4,797,000 | 4,805,000 | 4,902,000 | 4,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 389,000 | 759,000 | 1,123,000 | 1,494,000 |
| Interest expense | 65,000 | 126,000 | 184,000 | 240,000 |
| Net interest income | 324,000 | 633,000 | 939,000 | 1,254,000 |
| Noninterest income | 42,000 | 80,000 | 121,000 | 161,000 |
| Noninterest expense | 198,000 | 442,000 | 658,000 | 937,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 168,000 | 271,000 | 402,000 | 478,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 164,000 | 267,000 | 398,000 | 474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,448,000 | 4,401,000 | 4,457,000 | 4,533,000 |
| Total capital | 4,618,000 | 4,570,000 | 4,626,000 | 4,702,000 |
| Risk-weighted assets | 36,198,000 | 35,058,000 | 34,736,000 | 36,749,000 |