Call reports 2009
FIRST COMMUNITY BANK OF MERCERSBURG — 2009
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 171,482,000 | 175,406,000 | 181,815,000 | 188,969,000 |
| Total loans | 144,614,000 | 145,971,000 | 149,309,000 | 147,919,000 |
| Allowance for loan losses | 1,609,000 | 1,673,000 | 2,112,000 | 2,469,000 |
| Securities available for sale | 12,783,000 | 15,737,000 | 13,604,000 | 15,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,250,000 | 156,066,000 | 162,647,000 | 170,151,000 |
| Interest-bearing deposits | 137,100,000 | 140,892,000 | 146,002,000 | 153,658,000 |
| Noninterest-bearing deposits | 15,150,000 | 15,174,000 | 16,644,000 | 16,493,000 |
| Equity capital | 13,267,000 | 13,407,000 | 13,378,000 | 13,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,356,000 | 4,757,000 | 7,173,000 | 9,591,000 |
| Interest expense | 955,000 | 1,918,000 | 2,865,000 | 3,763,000 |
| Net interest income | 1,401,000 | 2,839,000 | 4,308,000 | 5,828,000 |
| Noninterest income | 160,000 | 334,000 | 514,000 | 695,000 |
| Noninterest expense | 1,133,000 | 2,422,000 | 3,698,000 | 5,016,000 |
| Provision for loan losses | 69,000 | 138,000 | 870,000 | 1,350,000 |
| Pretax income | 359,000 | 613,000 | 261,000 | 164,000 |
| Income tax | 61,000 | 90,000 | -90,000 | -204,000 |
| Net income | 298,000 | 523,000 | 351,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,279,000 | 13,360,000 | 13,043,000 | 13,231,000 |
| Total capital | 14,888,000 | 14,995,000 | 14,769,000 | 14,972,000 |
| Risk-weighted assets | 131,709,000 | 130,782,000 | 137,635,000 | 138,584,000 |
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