Call reports 2007
FIRST COMMUNITY BANK OF MERCERSBURG — 2007
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 130,286,000 | 129,307,000 | 133,903,000 | 139,060,000 |
| Total loans | 103,630,000 | 103,552,000 | 106,466,000 | 113,300,000 |
| Allowance for loan losses | 976,000 | 996,000 | 1,019,000 | 1,040,000 |
| Securities available for sale | 14,480,000 | 13,895,000 | 13,456,000 | 12,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,451,000 | 108,957,000 | 114,897,000 | 114,395,000 |
| Interest-bearing deposits | 94,022,000 | 92,123,000 | 96,216,000 | 97,620,000 |
| Noninterest-bearing deposits | 17,429,000 | 16,833,000 | 18,681,000 | 16,775,000 |
| Equity capital | 13,031,000 | 13,297,000 | 13,582,000 | 13,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,986,000 | 4,029,000 | 6,117,000 | 8,309,000 |
| Interest expense | 824,000 | 1,665,000 | 2,519,000 | 3,431,000 |
| Net interest income | 1,162,000 | 2,364,000 | 3,598,000 | 4,878,000 |
| Noninterest income | 171,000 | 368,000 | 563,000 | 770,000 |
| Noninterest expense | 853,000 | 1,780,000 | 2,761,000 | 3,812,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 456,000 | 904,000 | 1,328,000 | 1,740,000 |
| Income tax | 109,000 | 218,000 | 305,000 | 396,000 |
| Net income | 347,000 | 686,000 | 1,023,000 | 1,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,017,000 | 13,574,000 | 13,810,000 | 13,901,000 |
| Total capital | 13,993,000 | 14,570,000 | 14,829,000 | 14,941,000 |
| Risk-weighted assets | 103,812,000 | 104,348,000 | 108,966,000 | 110,787,000 |
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