Call reports 2009
FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE — 2009
What FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 169,714,000 | 173,880,000 | 176,881,000 | 181,572,000 |
| Total loans | 99,975,000 | 99,034,000 | 98,187,000 | 98,135,000 |
| Allowance for loan losses | 1,020,000 | 994,000 | 992,000 | 979,000 |
| Securities available for sale | 45,226,000 | 59,981,000 | 60,843,000 | 64,264,000 |
| Securities held to maturity | 365,000 | 365,000 | 195,000 | 195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,243,000 | 134,739,000 | 132,045,000 | 134,898,000 |
| Interest-bearing deposits | 102,351,000 | 103,107,000 | 101,278,000 | 102,094,000 |
| Noninterest-bearing deposits | 31,892,000 | 31,632,000 | 30,767,000 | 32,804,000 |
| Equity capital | 20,057,000 | 19,533,000 | 20,766,000 | 20,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,134,000 | 4,391,000 | 6,624,000 | 8,896,000 |
| Interest expense | 467,000 | 927,000 | 1,362,000 | 1,770,000 |
| Net interest income | 1,667,000 | 3,464,000 | 5,262,000 | 7,126,000 |
| Noninterest income | 340,000 | 707,000 | 1,092,000 | 1,477,000 |
| Noninterest expense | 1,347,000 | 2,695,000 | 4,071,000 | 5,532,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 630,000 | 1,643,000 | 2,420,000 | 3,261,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 630,000 | 1,643,000 | 2,420,000 | 3,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,733,000 | 18,802,000 | 18,869,000 | 18,959,000 |
| Total capital | 19,753,000 | 19,796,000 | 19,860,000 | 19,937,000 |
| Risk-weighted assets | 97,703,000 | 100,719,000 | 108,678,000 | 111,738,000 |
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