Call reports 2011
FIRST COMMUNITY BANK OF MERCERSBURG — 2011
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 184,633,000 | 181,770,000 | 182,824,000 | 179,291,000 |
| Total loans | 139,085,000 | 137,400,000 | 136,635,000 | 134,681,000 |
| Allowance for loan losses | 2,644,000 | 2,679,000 | 2,658,000 | 2,644,000 |
| Securities available for sale | 17,371,000 | 19,805,000 | 19,728,000 | 20,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,606,000 | 163,107,000 | 163,706,000 | 159,454,000 |
| Interest-bearing deposits | 147,481,000 | 142,887,000 | 140,910,000 | 138,848,000 |
| Noninterest-bearing deposits | 19,125,000 | 20,221,000 | 22,796,000 | 20,606,000 |
| Equity capital | 15,695,000 | 16,221,000 | 16,707,000 | 16,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,172,000 | 4,237,000 | 6,260,000 | 8,230,000 |
| Interest expense | 581,000 | 1,122,000 | 1,619,000 | 2,077,000 |
| Net interest income | 1,591,000 | 3,115,000 | 4,641,000 | 6,153,000 |
| Noninterest income | 202,000 | 435,000 | 686,000 | 930,000 |
| Noninterest expense | 1,410,000 | 2,851,000 | 4,318,000 | 5,761,000 |
| Provision for loan losses | 140,000 | 280,000 | 470,000 | 510,000 |
| Pretax income | 243,000 | 419,000 | 602,000 | 875,000 |
| Income tax | 36,000 | 47,000 | 45,000 | -19,000 |
| Net income | 207,000 | 372,000 | 557,000 | 894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,744,000 | 15,909,000 | 16,094,000 | 16,265,000 |
| Total capital | 17,406,000 | 17,559,000 | 17,740,000 | 17,885,000 |
| Risk-weighted assets | 132,006,000 | 130,936,000 | 130,720,000 | 128,798,000 |