Call reports 2012
FIRST COMMUNITY BANK OF MERCERSBURG — 2012
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 183,743,000 | 178,199,000 | 177,681,000 | 172,475,000 |
| Total loans | 131,514,000 | 130,864,000 | 128,607,000 | 129,379,000 |
| Allowance for loan losses | 2,470,000 | 2,455,000 | 2,405,000 | 2,428,000 |
| Securities available for sale | 21,741,000 | 20,328,000 | 20,612,000 | 19,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,923,000 | 158,039,000 | 157,286,000 | 151,704,000 |
| Interest-bearing deposits | 141,219,000 | 137,304,000 | 135,540,000 | 130,859,000 |
| Noninterest-bearing deposits | 22,704,000 | 20,735,000 | 21,747,000 | 20,845,000 |
| Equity capital | 17,212,000 | 17,400,000 | 17,742,000 | 18,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,940,000 | 3,963,000 | 5,814,000 | 7,646,000 |
| Interest expense | 428,000 | 813,000 | 1,158,000 | 1,463,000 |
| Net interest income | 1,512,000 | 3,150,000 | 4,656,000 | 6,183,000 |
| Noninterest income | 258,000 | 370,000 | 656,000 | 834,000 |
| Noninterest expense | 1,487,000 | 3,063,000 | 4,521,000 | 5,957,000 |
| Provision for loan losses | 33,000 | 102,000 | 132,000 | 162,000 |
| Pretax income | 250,000 | 518,000 | 822,000 | 1,133,000 |
| Income tax | 50,000 | 91,000 | 143,000 | 24,000 |
| Net income | 200,000 | 427,000 | 679,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,465,000 | 16,692,000 | 16,944,000 | 16,110,000 |
| Total capital | 18,074,000 | 18,277,000 | 18,500,000 | 17,635,000 |
| Risk-weighted assets | 128,110,000 | 126,139,000 | 123,876,000 | 121,101,000 |