Call reports 2005
FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE — 2005
What FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 155,650,000 | 158,395,000 | 159,900,000 | 158,339,000 |
| Total loans | 96,734,000 | 99,343,000 | 100,992,000 | 101,376,000 |
| Allowance for loan losses | 1,044,000 | 1,063,000 | 1,069,000 | 1,018,000 |
| Securities available for sale | 45,375,000 | 45,966,000 | 45,641,000 | 43,180,000 |
| Securities held to maturity | 971,000 | 832,000 | 833,000 | 833,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,972,000 | 124,064,000 | 119,645,000 | 121,813,000 |
| Interest-bearing deposits | 94,948,000 | 95,359,000 | 91,249,000 | 91,000,000 |
| Noninterest-bearing deposits | 29,024,000 | 28,705,000 | 28,396,000 | 30,813,000 |
| Equity capital | 16,300,000 | 17,085,000 | 16,929,000 | 16,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,024,000 | 4,087,000 | 6,297,000 | 8,414,000 |
| Interest expense | 372,000 | 772,000 | 1,242,000 | 1,754,000 |
| Net interest income | 1,652,000 | 3,315,000 | 5,055,000 | 6,660,000 |
| Noninterest income | 196,000 | 416,000 | 661,000 | 1,013,000 |
| Noninterest expense | 1,157,000 | 2,295,000 | 3,405,000 | 4,558,000 |
| Provision for loan losses | 60,000 | 120,000 | 150,000 | 150,000 |
| Pretax income | 631,000 | 1,316,000 | 2,161,000 | 2,928,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 631,000 | 1,316,000 | 2,161,000 | 2,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,836,000 | 17,921,000 | 17,992,000 | 18,029,000 |
| Total capital | 18,880,000 | 18,984,000 | 19,061,000 | 19,047,000 |
| Risk-weighted assets | 89,744,000 | 91,343,000 | 92,513,000 | 93,577,000 |
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