Call reports 2015
FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE — 2015
What FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 305,881,000 | 299,105,000 | 301,786,000 | 303,748,000 |
| Total loans | 146,269,000 | 144,219,000 | 143,414,000 | 142,528,000 |
| Allowance for loan losses | 1,673,000 | 1,738,000 | 1,719,000 | 1,682,000 |
| Securities available for sale | 132,110,000 | 125,936,000 | 126,883,000 | 129,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,548,000 | 223,587,000 | 223,260,000 | 224,407,000 |
| Interest-bearing deposits | 180,394,000 | 176,431,000 | 174,335,000 | 174,143,000 |
| Noninterest-bearing deposits | 50,154,000 | 47,156,000 | 48,925,000 | 50,264,000 |
| Equity capital | 34,946,000 | 33,017,000 | 34,356,000 | 33,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,593,000 | 5,140,000 | 7,682,000 | 10,230,000 |
| Interest expense | 261,000 | 523,000 | 781,000 | 1,030,000 |
| Net interest income | 2,332,000 | 4,617,000 | 6,901,000 | 9,200,000 |
| Noninterest income | 833,000 | 1,461,000 | 2,096,000 | 2,745,000 |
| Noninterest expense | 2,078,000 | 4,200,000 | 6,264,000 | 8,266,000 |
| Provision for loan losses | 105,000 | 195,000 | 255,000 | 315,000 |
| Pretax income | 982,000 | 1,794,000 | 2,590,000 | 3,586,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 982,000 | 1,794,000 | 2,590,000 | 3,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,726,000 | 30,662,000 | 30,753,000 | 31,064,000 |
| Total capital | 32,399,000 | 32,399,000 | 32,472,000 | 32,746,000 |
| Risk-weighted assets | 156,362,000 | 151,062,000 | 154,633,000 | 155,203,000 |
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