Call reports 2003
FIRST COMMUNITY BANK — 2003
What FIRST COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 168,788,000 | 168,546,000 | 172,311,000 | 179,481,000 |
| Total loans | 141,853,000 | 146,897,000 | 150,436,000 | 154,257,000 |
| Allowance for loan losses | 1,643,000 | 1,660,000 | 1,656,000 | 1,470,000 |
| Securities available for sale | 3,563,000 | 3,313,000 | 3,577,000 | 3,572,000 |
| Securities held to maturity | 299,000 | 278,000 | 33,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,971,000 | 144,431,000 | 147,534,000 | 154,258,000 |
| Interest-bearing deposits | 127,824,000 | 124,965,000 | 128,704,000 | 132,549,000 |
| Noninterest-bearing deposits | 17,147,000 | 19,466,000 | 18,830,000 | 21,709,000 |
| Equity capital | 14,199,000 | 14,664,000 | 15,152,000 | 15,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,391,000 | 4,886,000 | 7,362,000 | 9,846,000 |
| Interest expense | 837,000 | 1,673,000 | 2,471,000 | 3,262,000 |
| Net interest income | 1,554,000 | 3,213,000 | 4,891,000 | 6,584,000 |
| Noninterest income | 109,000 | 229,000 | 339,000 | 461,000 |
| Noninterest expense | 872,000 | 1,781,000 | 2,740,000 | 3,778,000 |
| Provision for loan losses | 150,000 | 245,000 | 295,000 | 345,000 |
| Pretax income | 641,000 | 1,416,000 | 2,192,000 | 2,919,000 |
| Income tax | 241,000 | 531,000 | 821,000 | 1,086,000 |
| Net income | 400,000 | 885,000 | 1,371,000 | 1,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,623,000 | 13,088,000 | 13,574,000 | 14,036,000 |
| Total capital | 14,266,000 | 14,748,000 | 15,230,000 | 15,506,000 |
| Risk-weighted assets | 138,510,000 | 141,899,000 | 144,233,000 | 148,502,000 |