Call reports 2016
FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE — 2016
What FIRST COMMONWEALTH BANK OF PRESTONSBURG, INC., THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 300,142,000 | 304,094,000 | 298,672,000 | 292,624,000 |
| Total loans | 139,611,000 | 137,158,000 | 134,571,000 | 130,423,000 |
| Allowance for loan losses | 1,721,000 | 1,616,000 | 1,629,000 | 1,662,000 |
| Securities available for sale | 132,216,000 | 136,425,000 | 132,851,000 | 130,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,790,000 | 218,965,000 | 219,454,000 | 222,890,000 |
| Interest-bearing deposits | 174,157,000 | 170,483,000 | 169,153,000 | 171,170,000 |
| Noninterest-bearing deposits | 50,633,000 | 48,482,000 | 50,301,000 | 51,720,000 |
| Equity capital | 35,311,000 | 36,971,000 | 36,667,000 | 30,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,480,000 | 5,096,000 | 7,684,000 | 10,179,000 |
| Interest expense | 254,000 | 506,000 | 757,000 | 991,000 |
| Net interest income | 2,226,000 | 4,590,000 | 6,927,000 | 9,188,000 |
| Noninterest income | 790,000 | 1,503,000 | 2,426,000 | 3,106,000 |
| Noninterest expense | 2,050,000 | 4,153,000 | 6,210,000 | 8,639,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 270,000 |
| Pretax income | 1,246,000 | 2,347,000 | 3,638,000 | 4,150,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,246,000 | 2,347,000 | 3,638,000 | 4,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,476,000 | 31,910,000 | 32,368,000 | 31,305,000 |
| Total capital | 33,197,000 | 33,526,000 | 33,997,000 | 32,967,000 |
| Risk-weighted assets | 150,888,000 | 153,167,000 | 152,526,000 | 149,531,000 |
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