Call reports 2006
FIRST COMMUNITY BANK OF MERCERSBURG — 2006
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 122,449,000 | 124,081,000 | 127,251,000 | 129,944,000 |
| Total loans | 93,967,000 | 96,756,000 | 101,135,000 | 103,969,000 |
| Allowance for loan losses | 957,000 | 912,000 | 940,000 | 961,000 |
| Securities available for sale | 16,113,000 | 15,205,000 | 14,902,000 | 14,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,223,000 | 104,507,000 | 108,447,000 | 106,960,000 |
| Interest-bearing deposits | 87,457,000 | 88,759,000 | 89,853,000 | 91,081,000 |
| Noninterest-bearing deposits | 15,766,000 | 15,748,000 | 18,594,000 | 15,879,000 |
| Equity capital | 12,697,000 | 12,828,000 | 12,757,000 | 12,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,728,000 | 3,520,000 | 5,432,000 | 7,402,000 |
| Interest expense | 611,000 | 1,266,000 | 1,991,000 | 2,786,000 |
| Net interest income | 1,117,000 | 2,254,000 | 3,441,000 | 4,616,000 |
| Noninterest income | 164,000 | 318,000 | 484,000 | 640,000 |
| Noninterest expense | 779,000 | 1,595,000 | 2,424,000 | 3,296,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 481,000 | 935,000 | 1,438,000 | 1,885,000 |
| Income tax | 117,000 | 213,000 | 329,000 | 466,000 |
| Net income | 364,000 | 722,000 | 1,109,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,704,000 | 12,766,000 | 12,723,000 | 12,807,000 |
| Total capital | 13,661,000 | 13,678,000 | 13,663,000 | 13,768,000 |
| Risk-weighted assets | 96,719,000 | 98,957,000 | 101,418,000 | 101,946,000 |
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