Call reports 2010
FIRST COMMUNITY BANK OF MERCERSBURG — 2010
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 190,929,000 | 189,441,000 | 188,004,000 | 186,009,000 |
| Total loans | 145,966,000 | 145,513,000 | 144,880,000 | 144,146,000 |
| Allowance for loan losses | 2,378,000 | 2,439,000 | 2,507,000 | 2,675,000 |
| Securities available for sale | 17,785,000 | 19,304,000 | 20,478,000 | 15,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,057,000 | 170,270,000 | 171,380,000 | 168,392,000 |
| Interest-bearing deposits | 156,014,000 | 154,874,000 | 151,494,000 | 150,654,000 |
| Noninterest-bearing deposits | 16,043,000 | 15,396,000 | 19,886,000 | 17,738,000 |
| Equity capital | 13,344,000 | 13,640,000 | 14,237,000 | 15,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,282,000 | 4,612,000 | 6,945,000 | 9,184,000 |
| Interest expense | 835,000 | 1,631,000 | 2,364,000 | 3,020,000 |
| Net interest income | 1,447,000 | 2,981,000 | 4,581,000 | 6,164,000 |
| Noninterest income | 174,000 | 355,000 | 592,000 | 855,000 |
| Noninterest expense | 1,339,000 | 2,671,000 | 3,989,000 | 5,422,000 |
| Provision for loan losses | 245,000 | 425,000 | 665,000 | 1,100,000 |
| Pretax income | 37,000 | 240,000 | 519,000 | 690,000 |
| Income tax | -67,000 | -47,000 | 29,000 | 8,000 |
| Net income | 104,000 | 287,000 | 537,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,335,000 | 13,519,000 | 13,769,000 | 15,499,000 |
| Total capital | 15,060,000 | 15,247,000 | 15,476,000 | 17,220,000 |
| Risk-weighted assets | 137,343,000 | 137,333,000 | 137,059,000 | 136,690,000 |