Call reports 2018
FIRST COMMUNITY BANK OF MERCERSBURG — 2018
What FIRST COMMUNITY BANK OF MERCERSBURG reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Total assets | 183,950,000 | 183,265,000 | 184,161,000 |
| Total loans | 150,201,000 | 152,418,000 | 148,999,000 |
| Allowance for loan losses | 1,603,000 | 1,590,000 | 1,613,000 |
| Securities available for sale | 8,283,000 | 7,798,000 | 7,352,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 160,708,000 | 159,829,000 | 160,947,000 |
| Interest-bearing deposits | 132,383,000 | 132,519,000 | 128,638,000 |
| Noninterest-bearing deposits | 28,325,000 | 27,310,000 | 32,309,000 |
| Equity capital | 20,629,000 | 20,864,000 | 20,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Interest income | 1,813,000 | 3,699,000 | 5,583,000 |
| Interest expense | 195,000 | 401,000 | 611,000 |
| Net interest income | 1,618,000 | 3,298,000 | 4,972,000 |
| Noninterest income | 223,000 | 447,000 | 722,000 |
| Noninterest expense | 1,489,000 | 2,939,000 | 5,246,000 |
| Provision for loan losses | 0 | 24,000 | 84,000 |
| Pretax income | 352,000 | 782,000 | 364,000 |
| Income tax | 52,000 | 121,000 | 31,000 |
| Net income | 300,000 | 661,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Tier 1 capital | 20,400,000 | 21,044,000 | 20,798,000 |
| Total capital | 21,960,000 | 22,613,000 | 22,353,000 |
| Risk-weighted assets | 124,334,000 | 125,336,000 | 124,159,000 |