Call reports 2015
FIRST COMMUNITY BANK XENIA-FLORA — 2015
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 40,541,000 | 40,707,000 | 40,232,000 | 40,190,000 |
| Total loans | 24,804,000 | 25,711,000 | 25,440,000 | 26,859,000 |
| Allowance for loan losses | 189,000 | 197,000 | 197,000 | 171,000 |
| Securities available for sale | 12,576,000 | 11,997,000 | 11,670,000 | 10,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,072,000 | 29,777,000 | 29,449,000 | 28,163,000 |
| Interest-bearing deposits | 24,038,000 | 22,750,000 | 22,520,000 | 21,331,000 |
| Noninterest-bearing deposits | 7,034,000 | 7,027,000 | 6,929,000 | 6,832,000 |
| Equity capital | 5,210,000 | 5,090,000 | 5,244,000 | 5,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 392,000 | 791,000 | 1,194,000 | 1,596,000 |
| Interest expense | 44,000 | 89,000 | 132,000 | 175,000 |
| Net interest income | 348,000 | 702,000 | 1,062,000 | 1,421,000 |
| Noninterest income | 40,000 | 84,000 | 126,000 | 172,000 |
| Noninterest expense | 239,000 | 468,000 | 718,000 | 998,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 149,000 | 323,000 | 483,000 | 618,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 141,000 | 315,000 | 475,000 | 610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,957,000 | 4,982,000 | 5,052,000 | 5,186,000 |
| Total capital | 5,146,000 | 5,179,000 | 5,249,000 | 5,357,000 |
| Risk-weighted assets | 24,675,000 | 24,958,000 | 24,642,000 | 26,330,000 |