Call reports 2024
FIRST COMMUNITY BANK XENIA-FLORA — 2024
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 56,283,000 | 56,012,000 | 57,271,000 | 55,306,000 |
| Total loans | 30,167,000 | 30,199,000 | 30,064,000 | 29,992,000 |
| Allowance for loan losses | 183,000 | 184,000 | 186,000 | 182,000 |
| Securities available for sale | 18,726,000 | 18,564,000 | 20,090,000 | 17,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,445,000 | 49,234,000 | 49,821,000 | 48,099,000 |
| Interest-bearing deposits | 36,123,000 | 35,898,000 | 36,672,000 | 35,948,000 |
| Noninterest-bearing deposits | 13,322,000 | 13,336,000 | 13,149,000 | 12,151,000 |
| Equity capital | 3,639,000 | 3,775,000 | 4,442,000 | 4,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 714,000 | 1,435,000 | 2,199,000 | 2,929,000 |
| Interest expense | 231,000 | 468,000 | 718,000 | 945,000 |
| Net interest income | 483,000 | 967,000 | 1,481,000 | 1,984,000 |
| Noninterest income | 34,000 | 65,000 | 99,000 | 131,000 |
| Noninterest expense | 266,000 | 583,000 | 902,000 | 1,250,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 20,000 |
| Pretax income | 251,000 | 444,000 | 673,000 | 845,000 |
| Income tax | 11,000 | 33,000 | 43,000 | 54,000 |
| Net income | 240,000 | 411,000 | 630,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,703,000 | 5,799,000 | 5,928,000 | 6,089,000 |