Call reports 2015
FIRST COMMUNITY BANK OF MERCERSBURG — 2015
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 167,794,000 | 167,878,000 | 166,513,000 | 169,014,000 |
| Total loans | 131,738,000 | 135,564,000 | 138,199,000 | 141,970,000 |
| Allowance for loan losses | 1,633,000 | 1,589,000 | 1,411,000 | 1,437,000 |
| Securities available for sale | 14,661,000 | 13,028,000 | 11,978,000 | 11,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,734,000 | 145,636,000 | 144,398,000 | 146,598,000 |
| Interest-bearing deposits | 122,557,000 | 120,337,000 | 116,575,000 | 120,750,000 |
| Noninterest-bearing deposits | 23,177,000 | 25,299,000 | 27,823,000 | 25,848,000 |
| Equity capital | 19,459,000 | 19,551,000 | 19,588,000 | 19,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,606,000 | 3,266,000 | 4,947,000 | 6,658,000 |
| Interest expense | 172,000 | 340,000 | 500,000 | 658,000 |
| Net interest income | 1,434,000 | 2,926,000 | 4,447,000 | 6,000,000 |
| Noninterest income | 174,000 | 389,000 | 665,000 | 896,000 |
| Noninterest expense | 1,338,000 | 2,705,000 | 4,112,000 | 5,477,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 130,000 |
| Pretax income | 270,000 | 610,000 | 917,000 | 1,306,000 |
| Income tax | 35,000 | 91,000 | 147,000 | 220,000 |
| Net income | 235,000 | 519,000 | 770,000 | 1,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,425,000 | 19,222,000 | 19,242,000 | 19,465,000 |
| Total capital | 20,931,000 | 20,765,000 | 20,653,000 | 20,902,000 |
| Risk-weighted assets | 120,371,000 | 123,033,000 | 123,819,000 | 119,709,000 |