Call reports 2004
FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE — 2004
What FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 161,923,000 | 164,587,000 | 160,886,000 | 160,579,000 |
| Total loans | 99,726,000 | 101,225,000 | 102,856,000 | 100,830,000 |
| Allowance for loan losses | 983,000 | 962,000 | 1,005,000 | 1,011,000 |
| Securities available for sale | 46,287,000 | 50,090,000 | 44,865,000 | 40,470,000 |
| Securities held to maturity | 1,498,000 | 1,352,000 | 1,152,000 | 1,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,542,000 | 126,753,000 | 126,636,000 | 124,457,000 |
| Interest-bearing deposits | 99,833,000 | 97,829,000 | 97,204,000 | 96,520,000 |
| Noninterest-bearing deposits | 27,709,000 | 28,924,000 | 29,432,000 | 27,937,000 |
| Equity capital | 17,925,000 | 16,244,000 | 17,282,000 | 17,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,133,000 | 4,281,000 | 6,373,000 | 8,476,000 |
| Interest expense | 406,000 | 780,000 | 1,139,000 | 1,510,000 |
| Net interest income | 1,727,000 | 3,501,000 | 5,234,000 | 6,966,000 |
| Noninterest income | 208,000 | 450,000 | 689,000 | 905,000 |
| Noninterest expense | 1,239,000 | 2,405,000 | 3,554,000 | 4,647,000 |
| Provision for loan losses | 37,000 | 75,000 | 150,000 | 218,000 |
| Pretax income | 651,000 | 1,552,000 | 2,382,000 | 3,169,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 651,000 | 1,552,000 | 2,382,000 | 3,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,435,000 | 17,649,000 | 17,706,000 | 17,806,000 |
| Total capital | 18,418,000 | 18,611,000 | 18,711,000 | 18,817,000 |
| Risk-weighted assets | 94,289,000 | 95,351,000 | 95,331,000 | 93,300,000 |
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