Call reports 2005
FIRST COMMUNITY BANK — 2005
What FIRST COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 42,849,000 | 43,986,000 | 44,116,000 | 44,263,000 |
| Total loans | 29,062,000 | 28,952,000 | 30,311,000 | 32,951,000 |
| Allowance for loan losses | 288,000 | 299,000 | 312,000 | 324,000 |
| Securities available for sale | 8,011,000 | 8,008,000 | 6,488,000 | 8,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,537,000 | 38,561,000 | 38,650,000 | 38,772,000 |
| Interest-bearing deposits | 34,311,000 | 34,267,000 | 34,303,000 | 33,632,000 |
| Noninterest-bearing deposits | 4,226,000 | 4,294,000 | 4,347,000 | 5,140,000 |
| Equity capital | 3,217,000 | 3,313,000 | 3,339,000 | 3,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,091,000 | 1,675,000 | 2,315,000 |
| Interest expense | 136,000 | 315,000 | 514,000 | 732,000 |
| Net interest income | 388,000 | 776,000 | 1,161,000 | 1,583,000 |
| Noninterest income | 40,000 | 101,000 | 136,000 | 163,000 |
| Noninterest expense | 268,000 | 533,000 | 817,000 | 1,107,000 |
| Provision for loan losses | 11,000 | 22,000 | 35,000 | 47,000 |
| Pretax income | 125,000 | 298,000 | 421,000 | 568,000 |
| Income tax | -17,000 | -10,000 | -4,000 | 2,000 |
| Net income | 142,000 | 308,000 | 425,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,242,000 | 3,328,000 | 3,365,000 | 3,426,000 |
| Total capital | 3,530,000 | 3,627,000 | 3,677,000 | 3,750,000 |
| Risk-weighted assets | 26,329,000 | 26,702,000 | 28,051,000 | 30,408,000 |