Call reports 2013
FIRST COMMUNITY BANK XENIA-FLORA — 2013
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 39,615,000 | 37,508,000 | 38,857,000 | 38,994,000 |
| Total loans | 21,336,000 | 22,727,000 | 24,418,000 | 25,535,000 |
| Allowance for loan losses | 169,000 | 168,000 | 164,000 | 189,000 |
| Securities available for sale | 11,746,000 | 11,665,000 | 11,883,000 | 11,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,377,000 | 28,743,000 | 28,712,000 | 29,107,000 |
| Interest-bearing deposits | 23,628,000 | 22,450,000 | 22,095,000 | 21,878,000 |
| Noninterest-bearing deposits | 6,749,000 | 6,293,000 | 6,617,000 | 7,229,000 |
| Equity capital | 4,922,000 | 4,448,000 | 4,556,000 | 4,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 363,000 | 732,000 | 1,130,000 | 1,519,000 |
| Interest expense | 53,000 | 105,000 | 152,000 | 200,000 |
| Net interest income | 310,000 | 627,000 | 978,000 | 1,319,000 |
| Noninterest income | 45,000 | 90,000 | 132,000 | 178,000 |
| Noninterest expense | 220,000 | 463,000 | 704,000 | 958,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 154,000 | 273,000 | 425,000 | 546,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 149,000 | 268,000 | 420,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,592,000 | 4,561,000 | 4,638,000 | 4,758,000 |
| Total capital | 4,761,000 | 4,729,000 | 4,802,000 | 4,947,000 |
| Risk-weighted assets | 39,464,000 | 37,799,000 | 39,116,000 | 39,393,000 |