Call reports 2021
FIRST COMMUNITY BANK XENIA-FLORA — 2021
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 54,143,000 | 53,102,000 | 51,823,000 | 52,067,000 |
| Total loans | 24,518,000 | 25,484,000 | 25,158,000 | 26,589,000 |
| Allowance for loan losses | 175,000 | 176,000 | 176,000 | 175,000 |
| Securities available for sale | 15,344,000 | 17,435,000 | 16,965,000 | 17,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,616,000 | 43,513,000 | 42,191,000 | 42,504,000 |
| Interest-bearing deposits | 31,481,000 | 31,484,000 | 30,727,000 | 30,131,000 |
| Noninterest-bearing deposits | 13,135,000 | 12,029,000 | 11,464,000 | 12,373,000 |
| Equity capital | 5,105,000 | 5,217,000 | 5,262,000 | 5,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 393,000 | 795,000 | 1,215,000 | 1,620,000 |
| Interest expense | 55,000 | 108,000 | 157,000 | 204,000 |
| Net interest income | 338,000 | 687,000 | 1,058,000 | 1,416,000 |
| Noninterest income | 65,000 | 116,000 | 148,000 | 184,000 |
| Noninterest expense | 235,000 | 525,000 | 779,000 | 1,109,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 168,000 | 278,000 | 427,000 | 491,000 |
| Income tax | 7,000 | 7,000 | 7,000 | 27,000 |
| Net income | 161,000 | 271,000 | 420,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,091,000 | 5,126,000 | 5,185,000 | 5,229,000 |