Call reports 2005
FIRST COMMUNITY BANK OF MERCERSBURG — 2005
What FIRST COMMUNITY BANK OF MERCERSBURG 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 | 118,178,000 | 120,629,000 | 121,234,000 | 122,872,000 |
| Total loans | 89,175,000 | 90,500,000 | 93,452,000 | 94,499,000 |
| Allowance for loan losses | 1,023,000 | 923,000 | 921,000 | 943,000 |
| Securities available for sale | 16,783,000 | 16,789,000 | 16,558,000 | 16,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,211,000 | 100,707,000 | 101,463,000 | 103,510,000 |
| Interest-bearing deposits | 82,938,000 | 83,270,000 | 84,076,000 | 84,639,000 |
| Noninterest-bearing deposits | 15,273,000 | 17,436,000 | 17,387,000 | 18,870,000 |
| Equity capital | 12,554,000 | 12,393,000 | 12,600,000 | 12,517,000 |
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 | 1,561,000 | 3,157,000 | 4,812,000 | 6,530,000 |
| Interest expense | 489,000 | 1,002,000 | 1,544,000 | 2,114,000 |
| Net interest income | 1,072,000 | 2,155,000 | 3,268,000 | 4,416,000 |
| Noninterest income | 157,000 | 322,000 | 499,000 | 664,000 |
| Noninterest expense | 776,000 | 1,567,000 | 2,376,000 | 3,187,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 432,000 | 868,000 | 1,328,000 | 1,809,000 |
| Income tax | 90,000 | 184,000 | 275,000 | 385,000 |
| Net income | 342,000 | 684,000 | 1,053,000 | 1,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,554,000 | 12,283,000 | 12,464,000 | 12,464,000 |
| Total capital | 13,577,000 | 13,206,000 | 13,385,000 | 13,407,000 |
| Risk-weighted assets | 91,288,000 | 93,095,000 | 97,063,000 | 97,320,000 |
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