Call reports 2016
FIRST COMMUNITY BANK OF MERCERSBURG — 2016
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 170,771,000 | 172,226,000 | 176,345,000 | 177,005,000 |
| Total loans | 144,974,000 | 147,635,000 | 148,891,000 | 149,813,000 |
| Allowance for loan losses | 1,398,000 | 1,540,000 | 1,542,000 | 1,546,000 |
| Securities available for sale | 10,968,000 | 10,080,000 | 8,923,000 | 8,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,247,000 | 149,553,000 | 153,731,000 | 154,201,000 |
| Interest-bearing deposits | 123,436,000 | 124,086,000 | 126,116,000 | 128,255,000 |
| Noninterest-bearing deposits | 24,811,000 | 25,467,000 | 27,615,000 | 25,946,000 |
| Equity capital | 19,969,000 | 20,067,000 | 20,024,000 | 20,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,706,000 | 3,450,000 | 5,208,000 | 6,981,000 |
| Interest expense | 156,000 | 311,000 | 471,000 | 633,000 |
| Net interest income | 1,550,000 | 3,139,000 | 4,737,000 | 6,348,000 |
| Noninterest income | 212,000 | 422,000 | 678,000 | 942,000 |
| Noninterest expense | 1,418,000 | 2,823,000 | 4,244,000 | 5,565,000 |
| Provision for loan losses | 45,000 | 225,000 | 420,000 | 450,000 |
| Pretax income | 299,000 | 551,000 | 789,000 | 1,313,000 |
| Income tax | 60,000 | 106,000 | 147,000 | 247,000 |
| Net income | 239,000 | 445,000 | 642,000 | 1,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,619,000 | 19,752,000 | 19,730,000 | 19,932,000 |
| Total capital | 21,017,000 | 21,292,000 | 21,272,000 | 21,478,000 |
| Risk-weighted assets | 121,556,000 | 123,871,000 | 125,783,000 | 123,616,000 |