Call reports 2019
FIRST COMMUNITY BANK XENIA-FLORA — 2019
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 42,358,000 | 42,778,000 | 41,114,000 | 40,945,000 |
| Total loans | 23,130,000 | 23,762,000 | 24,073,000 | 24,857,000 |
| Allowance for loan losses | 186,000 | 186,000 | 187,000 | 187,000 |
| Securities available for sale | 14,061,000 | 12,467,000 | 11,762,000 | 11,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,796,000 | 34,081,000 | 31,028,000 | 31,275,000 |
| Interest-bearing deposits | 25,410,000 | 26,065,000 | 22,849,000 | 23,381,000 |
| Noninterest-bearing deposits | 8,386,000 | 8,016,000 | 8,179,000 | 7,894,000 |
| Equity capital | 4,934,000 | 5,053,000 | 5,158,000 | 5,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 448,000 | 926,000 | 1,401,000 | 1,869,000 |
| Interest expense | 90,000 | 183,000 | 277,000 | 361,000 |
| Net interest income | 358,000 | 743,000 | 1,124,000 | 1,508,000 |
| Noninterest income | 41,000 | 86,000 | 124,000 | 162,000 |
| Noninterest expense | 233,000 | 485,000 | 742,000 | 1,055,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 166,000 | 342,000 | 504,000 | 613,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 158,000 | 334,000 | 496,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,899,000 | 4,925,000 | 4,996,000 | 5,106,000 |
| Total capital | 5,085,000 | 5,111,000 | 5,183,000 | 5,293,000 |
| Risk-weighted assets | 22,887,000 | 22,798,000 | 21,911,000 | 23,336,000 |