Call reports 2004
FIRST COMMUNITY BANK OF MERCERSBURG — 2004
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 118,378,000 | 118,084,000 | 117,530,000 | 118,893,000 |
| Total loans | 82,335,000 | 84,803,000 | 88,332,000 | 89,005,000 |
| Allowance for loan losses | 978,000 | 992,000 | 1,000,000 | 1,012,000 |
| Securities available for sale | 19,242,000 | 19,265,000 | 17,589,000 | 17,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,787,000 | 96,713,000 | 97,016,000 | 98,920,000 |
| Interest-bearing deposits | 84,051,000 | 83,608,000 | 82,101,000 | 84,096,000 |
| Noninterest-bearing deposits | 12,736,000 | 13,106,000 | 14,914,000 | 14,824,000 |
| Equity capital | 13,347,000 | 13,129,000 | 13,095,000 | 12,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,506,000 | 3,024,000 | 4,546,000 | 6,094,000 |
| Interest expense | 483,000 | 956,000 | 1,428,000 | 1,915,000 |
| Net interest income | 1,023,000 | 2,068,000 | 3,118,000 | 4,179,000 |
| Noninterest income | 149,000 | 337,000 | 504,000 | 650,000 |
| Noninterest expense | 729,000 | 1,490,000 | 2,245,000 | 3,144,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 501,000 | 958,000 | 1,405,000 | 1,698,000 |
| Income tax | 118,000 | 225,000 | 329,000 | 352,000 |
| Net income | 383,000 | 733,000 | 1,076,000 | 1,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,839,000 | 13,038,000 | 12,841,000 | 12,346,000 |
| Total capital | 13,817,000 | 14,030,000 | 13,841,000 | 13,358,000 |
| Risk-weighted assets | 86,445,000 | 90,108,000 | 92,508,000 | 90,884,000 |
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