Call reports 2023
FIRST COMMUNITY BANK XENIA-FLORA — 2023
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 54,405,000 | 53,708,000 | 53,221,000 | 54,809,000 |
| Total loans | 28,060,000 | 28,403,000 | 29,398,000 | 30,935,000 |
| Allowance for loan losses | 179,000 | 179,000 | 179,000 | 190,000 |
| Securities available for sale | 19,178,000 | 18,893,000 | 18,351,000 | 19,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,068,000 | 47,421,000 | 47,073,000 | 46,676,000 |
| Interest-bearing deposits | 34,271,000 | 34,445,000 | 34,377,000 | 34,752,000 |
| Noninterest-bearing deposits | 13,797,000 | 12,976,000 | 12,696,000 | 11,924,000 |
| Equity capital | 3,437,000 | 3,265,000 | 2,964,000 | 3,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,245,000 | 1,908,000 | 2,582,000 |
| Interest expense | 151,000 | 330,000 | 527,000 | 740,000 |
| Net interest income | 476,000 | 915,000 | 1,381,000 | 1,842,000 |
| Noninterest income | 34,000 | 70,000 | 110,000 | 144,000 |
| Noninterest expense | 247,000 | 546,000 | 817,000 | 1,174,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 263,000 | 439,000 | 674,000 | 792,000 |
| Income tax | 8,000 | 25,000 | 33,000 | 41,000 |
| Net income | 255,000 | 414,000 | 641,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,552,000 | 5,562,000 | 5,698,000 | 5,808,000 |