Call reports 2025
FIRST COMMUNITY BANK XENIA-FLORA — 2025
What FIRST COMMUNITY BANK XENIA-FLORA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 56,896,000 | 56,675,000 | 54,129,000 | 56,044,000 |
| Total loans | 30,699,000 | 31,384,000 | 30,524,000 | 30,386,000 |
| Allowance for loan losses | 179,000 | 183,000 | 186,000 | 170,000 |
| Securities available for sale | 18,202,000 | 18,988,000 | 18,413,000 | 18,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,642,000 | 48,974,000 | 46,038,000 | 47,678,000 |
| Interest-bearing deposits | 36,579,000 | 36,193,000 | 33,842,000 | 34,555,000 |
| Noninterest-bearing deposits | 13,063,000 | 12,781,000 | 12,196,000 | 13,123,000 |
| Equity capital | 4,245,000 | 4,657,000 | 5,056,000 | 5,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,461,000 | 2,216,000 | 2,924,000 |
| Interest expense | 224,000 | 435,000 | 636,000 | 828,000 |
| Net interest income | 506,000 | 1,026,000 | 1,580,000 | 2,096,000 |
| Noninterest income | 25,000 | 52,000 | 80,000 | 109,000 |
| Noninterest expense | 320,000 | 622,000 | 950,000 | 1,322,000 |
| Provision for loan losses | 0 | 0 | 0 | 80,000 |
| Pretax income | 211,000 | 489,000 | 740,000 | 833,000 |
| Income tax | 0 | 21,000 | 32,000 | 42,000 |
| Net income | 211,000 | 468,000 | 708,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,929,000 | 6,112,000 | 6,262,000 | 6,346,000 |