Call reports 2014
FIRST COMMUNITY BANK XENIA-FLORA — 2014
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 41,084,000 | 41,332,000 | 40,976,000 | 41,334,000 |
| Total loans | 23,545,000 | 25,210,000 | 25,925,000 | 26,803,000 |
| Allowance for loan losses | 190,000 | 190,000 | 190,000 | 189,000 |
| Securities available for sale | 12,462,000 | 13,008,000 | 12,397,000 | 11,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,929,000 | 32,063,000 | 30,797,000 | 30,193,000 |
| Interest-bearing deposits | 24,815,000 | 23,764,000 | 23,124,000 | 22,777,000 |
| Noninterest-bearing deposits | 7,114,000 | 8,299,000 | 7,673,000 | 7,416,000 |
| Equity capital | 4,743,000 | 4,855,000 | 4,966,000 | 5,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 381,000 | 774,000 | 1,184,000 | 1,591,000 |
| Interest expense | 44,000 | 91,000 | 136,000 | 181,000 |
| Net interest income | 337,000 | 683,000 | 1,048,000 | 1,410,000 |
| Noninterest income | 45,000 | 89,000 | 134,000 | 175,000 |
| Noninterest expense | 236,000 | 469,000 | 700,000 | 966,000 |
| Provision for loan losses | 0 | 0 | 0 | 13,000 |
| Pretax income | 146,000 | 303,000 | 487,000 | 611,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 138,000 | 295,000 | 479,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,772,000 | 4,778,000 | 4,873,000 | 4,997,000 |
| Total capital | 4,962,000 | 4,968,000 | 5,063,000 | 5,186,000 |
| Risk-weighted assets | 41,318,000 | 41,460,000 | 41,093,000 | 41,410,000 |
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