Call reports 2017
FIRST COMMUNITY BANK OF MERCERSBURG — 2017
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 180,959,000 | 179,108,000 | 181,513,000 | 180,377,000 |
| Total loans | 150,890,000 | 152,120,000 | 154,456,000 | 152,056,000 |
| Allowance for loan losses | 1,582,000 | 1,633,000 | 1,661,000 | 1,665,000 |
| Securities available for sale | 8,296,000 | 8,864,000 | 9,059,000 | 8,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,891,000 | 155,839,000 | 158,050,000 | 157,119,000 |
| Interest-bearing deposits | 132,119,000 | 130,733,000 | 128,820,000 | 129,332,000 |
| Noninterest-bearing deposits | 25,772,000 | 25,106,000 | 29,230,000 | 27,787,000 |
| Equity capital | 20,385,000 | 20,487,000 | 20,679,000 | 20,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,771,000 | 3,575,000 | 5,411,000 | 7,240,000 |
| Interest expense | 169,000 | 348,000 | 528,000 | 703,000 |
| Net interest income | 1,602,000 | 3,227,000 | 4,883,000 | 6,537,000 |
| Noninterest income | 207,000 | 452,000 | 708,000 | 1,016,000 |
| Noninterest expense | 1,419,000 | 2,849,000 | 4,285,000 | 5,725,000 |
| Provision for loan losses | 35,000 | 85,000 | 130,000 | 153,000 |
| Pretax income | 355,000 | 745,000 | 1,176,000 | 1,675,000 |
| Income tax | 85,000 | 182,000 | 292,000 | 810,000 |
| Net income | 270,000 | 563,000 | 884,000 | 865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,870,000 | 19,994,000 | 20,258,000 | 20,285,000 |
| Total capital | 21,437,000 | 21,573,000 | 21,862,000 | 21,853,000 |
| Risk-weighted assets | 124,814,000 | 125,745,000 | 127,764,000 | 124,926,000 |