Call reports 2008
FIRST COMMUNITY BANK OF MERCERSBURG — 2008
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 141,370,000 | 148,130,000 | 157,944,000 | 165,568,000 |
| Total loans | 116,785,000 | 123,070,000 | 132,648,000 | 140,947,000 |
| Allowance for loan losses | 1,099,000 | 1,371,000 | 1,482,000 | 1,556,000 |
| Securities available for sale | 11,609,000 | 11,373,000 | 11,910,000 | 11,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,132,000 | 123,295,000 | 134,477,000 | 141,893,000 |
| Interest-bearing deposits | 102,655,000 | 104,849,000 | 115,551,000 | 125,879,000 |
| Noninterest-bearing deposits | 16,476,000 | 18,446,000 | 18,926,000 | 16,014,000 |
| Equity capital | 13,596,000 | 13,449,000 | 13,626,000 | 13,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,174,000 | 4,360,000 | 6,664,000 | 8,992,000 |
| Interest expense | 896,000 | 1,749,000 | 2,637,000 | 3,581,000 |
| Net interest income | 1,278,000 | 2,611,000 | 4,027,000 | 5,411,000 |
| Noninterest income | 174,000 | 426,000 | 629,000 | 827,000 |
| Noninterest expense | 1,055,000 | 2,174,000 | 3,265,000 | 4,549,000 |
| Provision for loan losses | 30,000 | 310,000 | 420,000 | 500,000 |
| Pretax income | 367,000 | 553,000 | 971,000 | 1,189,000 |
| Income tax | 69,000 | 88,000 | 200,000 | 215,000 |
| Net income | 298,000 | 465,000 | 833,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,805,000 | 13,179,000 | 13,616,000 | 13,067,000 |
| Total capital | 14,904,000 | 14,550,000 | 15,098,000 | 14,623,000 |
| Risk-weighted assets | 113,076,000 | 117,906,000 | 126,618,000 | 128,850,000 |
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