Call reports 2013
FIRST COMMUNITY BANK OF MERCERSBURG — 2013
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 172,222,000 | 173,383,000 | 174,033,000 | 171,693,000 |
| Total loans | 126,286,000 | 124,945,000 | 128,080,000 | 126,262,000 |
| Allowance for loan losses | 2,398,000 | 2,392,000 | 2,397,000 | 2,064,000 |
| Securities available for sale | 18,978,000 | 18,267,000 | 18,326,000 | 16,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,317,000 | 152,606,000 | 153,076,000 | 150,632,000 |
| Interest-bearing deposits | 131,100,000 | 131,657,000 | 128,338,000 | 129,253,000 |
| Noninterest-bearing deposits | 20,217,000 | 20,949,000 | 24,738,000 | 21,379,000 |
| Equity capital | 18,195,000 | 18,023,000 | 18,258,000 | 18,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,757,000 | 3,452,000 | 5,140,000 | 6,832,000 |
| Interest expense | 279,000 | 546,000 | 789,000 | 1,009,000 |
| Net interest income | 1,478,000 | 2,906,000 | 4,351,000 | 5,823,000 |
| Noninterest income | 264,000 | 494,000 | 746,000 | 1,056,000 |
| Noninterest expense | 1,463,000 | 2,865,000 | 4,301,000 | 5,955,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | -235,000 |
| Pretax income | 264,000 | 520,000 | 781,000 | 1,261,000 |
| Income tax | 18,000 | 19,000 | 39,000 | 112,000 |
| Net income | 246,000 | 501,000 | 742,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,158,000 | 16,415,000 | 16,594,000 | 17,467,000 |
| Total capital | 17,658,000 | 17,864,000 | 18,074,000 | 18,921,000 |
| Risk-weighted assets | 119,119,000 | 114,992,000 | 117,450,000 | 115,710,000 |