Call reports 2020
FIRST COMMUNITY BANK XENIA-FLORA — 2020
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 43,297,000 | 47,217,000 | 48,766,000 | 51,841,000 |
| Total loans | 24,102,000 | 24,580,000 | 25,738,000 | 26,326,000 |
| Allowance for loan losses | 156,000 | 161,000 | 159,000 | 157,000 |
| Securities available for sale | 11,371,000 | 12,291,000 | 12,363,000 | 13,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,561,000 | 37,446,000 | 38,750,000 | 41,944,000 |
| Interest-bearing deposits | 24,841,000 | 27,999,000 | 28,694,000 | 30,791,000 |
| Noninterest-bearing deposits | 8,720,000 | 9,447,000 | 10,056,000 | 11,153,000 |
| Equity capital | 5,108,000 | 5,323,000 | 5,388,000 | 5,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 445,000 | 906,000 | 1,336,000 | 1,762,000 |
| Interest expense | 79,000 | 147,000 | 212,000 | 272,000 |
| Net interest income | 366,000 | 759,000 | 1,124,000 | 1,490,000 |
| Noninterest income | 41,000 | 83,000 | 123,000 | 154,000 |
| Noninterest expense | 230,000 | 503,000 | 746,000 | 1,058,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 177,000 | 339,000 | 501,000 | 586,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 171,000 | 333,000 | 495,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,067,000 | 5,058,000 | 5,131,000 | 5,215,000 |