Call reports 2006
FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE — 2006
What FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 158,445,000 | 155,005,000 | 159,121,000 | 166,249,000 |
| Total loans | 99,078,000 | 97,347,000 | 99,607,000 | 100,082,000 |
| Allowance for loan losses | 1,043,000 | 1,105,000 | 1,078,000 | 995,000 |
| Securities available for sale | 42,109,000 | 40,897,000 | 45,937,000 | 51,853,000 |
| Securities held to maturity | 834,000 | 725,000 | 725,000 | 726,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,637,000 | 118,588,000 | 115,577,000 | 116,985,000 |
| Interest-bearing deposits | 90,348,000 | 87,327,000 | 86,164,000 | 88,098,000 |
| Noninterest-bearing deposits | 31,289,000 | 31,261,000 | 29,413,000 | 28,887,000 |
| Equity capital | 16,713,000 | 16,606,000 | 17,175,000 | 17,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,201,000 | 4,393,000 | 6,622,000 | 8,952,000 |
| Interest expense | 547,000 | 1,162,000 | 1,827,000 | 2,631,000 |
| Net interest income | 1,654,000 | 3,231,000 | 4,795,000 | 6,321,000 |
| Noninterest income | 239,000 | 515,000 | 783,000 | 1,060,000 |
| Noninterest expense | 1,126,000 | 2,316,000 | 3,558,000 | 4,609,000 |
| Provision for loan losses | 45,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 722,000 | 1,340,000 | 1,930,000 | 2,682,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 722,000 | 1,340,000 | 1,930,000 | 2,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,107,000 | 18,167,000 | 18,198,000 | 18,242,000 |
| Total capital | 19,150,000 | 19,272,000 | 19,276,000 | 19,237,000 |
| Risk-weighted assets | 89,199,000 | 94,984,000 | 92,676,000 | 95,380,000 |
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