Call reports 2014
FIRST COMMUNITY BANK OF MERCERSBURG — 2014
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 171,095,000 | 170,508,000 | 171,089,000 | 167,776,000 |
| Total loans | 124,659,000 | 125,077,000 | 130,059,000 | 132,009,000 |
| Allowance for loan losses | 2,018,000 | 1,976,000 | 1,972,000 | 1,703,000 |
| Securities available for sale | 16,610,000 | 16,697,000 | 15,624,000 | 14,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,877,000 | 148,992,000 | 149,503,000 | 145,878,000 |
| Interest-bearing deposits | 127,854,000 | 125,469,000 | 123,339,000 | 122,195,000 |
| Noninterest-bearing deposits | 22,023,000 | 23,523,000 | 26,165,000 | 23,683,000 |
| Equity capital | 18,910,000 | 19,160,000 | 19,303,000 | 19,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,613,000 | 3,237,000 | 4,835,000 | 6,487,000 |
| Interest expense | 206,000 | 399,000 | 586,000 | 766,000 |
| Net interest income | 1,407,000 | 2,838,000 | 4,249,000 | 5,721,000 |
| Noninterest income | 188,000 | 432,000 | 664,000 | 882,000 |
| Noninterest expense | 1,352,000 | 2,747,000 | 4,145,000 | 5,548,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 243,000 | 523,000 | 798,000 | 1,235,000 |
| Income tax | 17,000 | 47,000 | 80,000 | 116,000 |
| Net income | 226,000 | 476,000 | 718,000 | 1,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,368,000 | 17,559,000 | 17,753,000 | 17,998,000 |
| Total capital | 18,809,000 | 18,989,000 | 19,220,000 | 19,465,000 |
| Risk-weighted assets | 114,679,000 | 113,878,000 | 116,851,000 | 117,090,000 |