Call reports 2007
FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE — 2007
What FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 165,578,000 | 166,866,000 | 167,856,000 | 171,894,000 |
| Total loans | 100,204,000 | 102,625,000 | 103,836,000 | 104,827,000 |
| Allowance for loan losses | 1,027,000 | 1,025,000 | 1,040,000 | 1,009,000 |
| Securities available for sale | 51,772,000 | 49,897,000 | 49,858,000 | 50,682,000 |
| Securities held to maturity | 727,000 | 518,000 | 519,000 | 519,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,508,000 | 117,750,000 | 119,773,000 | 121,735,000 |
| Interest-bearing deposits | 89,771,000 | 88,990,000 | 92,297,000 | 96,711,000 |
| Noninterest-bearing deposits | 29,737,000 | 28,760,000 | 27,476,000 | 25,024,000 |
| Equity capital | 17,618,000 | 17,295,000 | 17,708,000 | 18,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,418,000 | 4,842,000 | 7,280,000 | 9,807,000 |
| Interest expense | 865,000 | 1,730,000 | 2,645,000 | 3,620,000 |
| Net interest income | 1,553,000 | 3,112,000 | 4,635,000 | 6,187,000 |
| Noninterest income | 257,000 | 548,000 | 815,000 | 1,094,000 |
| Noninterest expense | 1,158,000 | 2,344,000 | 3,563,000 | 4,691,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 622,000 | 1,256,000 | 1,797,000 | 2,512,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 622,000 | 1,256,000 | 1,797,000 | 2,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,306,000 | 18,317,000 | 18,214,000 | 18,413,000 |
| Total capital | 19,333,000 | 19,267,000 | 19,254,000 | 19,422,000 |
| Risk-weighted assets | 100,178,000 | 101,334,000 | 100,738,000 | 101,926,000 |
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