Call reports 2003
FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE — 2003
What FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 166,500,000 | 171,847,000 | 174,244,000 | 166,946,000 |
| Total loans | 91,222,000 | 93,426,000 | 96,262,000 | 97,716,000 |
| Allowance for loan losses | 985,000 | 1,033,000 | 1,016,000 | 978,000 |
| Securities available for sale | 60,660,000 | 63,391,000 | 63,287,000 | 55,030,000 |
| Securities held to maturity | 2,336,000 | 1,950,000 | 1,949,000 | 1,683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,965,000 | 126,146,000 | 126,634,000 | 123,524,000 |
| Interest-bearing deposits | 99,136,000 | 100,475,000 | 100,800,000 | 98,575,000 |
| Noninterest-bearing deposits | 27,829,000 | 25,671,000 | 25,834,000 | 24,949,000 |
| Equity capital | 18,336,000 | 18,348,000 | 17,212,000 | 17,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,254,000 | 4,506,000 | 6,795,000 | 9,039,000 |
| Interest expense | 503,000 | 1,006,000 | 1,461,000 | 1,884,000 |
| Net interest income | 1,751,000 | 3,500,000 | 5,334,000 | 7,155,000 |
| Noninterest income | 217,000 | 426,000 | 632,000 | 839,000 |
| Noninterest expense | 1,154,000 | 2,227,000 | 3,316,000 | 4,569,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 150,000 |
| Pretax income | 769,000 | 1,891,000 | 2,817,000 | 3,556,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 769,000 | 1,891,000 | 2,817,000 | 3,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,110,000 | 17,224,000 | 17,355,000 | 17,364,000 |
| Total capital | 18,095,000 | 18,257,000 | 18,371,000 | 18,342,000 |
| Risk-weighted assets | 93,325,000 | 93,952,000 | 96,339,000 | 83,777,000 |
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