Call reports 2016
FIRST COMMUNITY BANK XENIA-FLORA — 2016
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 40,840,000 | 39,318,000 | 39,512,000 | 41,142,000 |
| Total loans | 24,765,000 | 25,204,000 | 26,414,000 | 27,723,000 |
| Allowance for loan losses | 168,000 | 185,000 | 185,000 | 184,000 |
| Securities available for sale | 10,518,000 | 10,980,000 | 9,431,000 | 10,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,790,000 | 28,608,000 | 29,100,000 | 30,259,000 |
| Interest-bearing deposits | 23,061,000 | 21,589,000 | 22,490,000 | 22,864,000 |
| Noninterest-bearing deposits | 6,729,000 | 7,019,000 | 6,610,000 | 7,395,000 |
| Equity capital | 5,310,000 | 5,370,000 | 5,396,000 | 5,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 392,000 | 780,000 | 1,181,000 | 1,573,000 |
| Interest expense | 46,000 | 93,000 | 138,000 | 180,000 |
| Net interest income | 346,000 | 687,000 | 1,043,000 | 1,393,000 |
| Noninterest income | 42,000 | 85,000 | 125,000 | 160,000 |
| Noninterest expense | 252,000 | 505,000 | 762,000 | 1,031,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 139,000 | 270,000 | 409,000 | 525,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 131,000 | 262,000 | 401,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,122,000 | 5,103,000 | 5,166,000 | 5,282,000 |
| Total capital | 5,290,000 | 5,288,000 | 5,351,000 | 5,466,000 |
| Risk-weighted assets | 24,915,000 | 24,833,000 | 25,586,000 | 27,024,000 |