Call reports 2005
FIRST COMMUNITY BANK — 2005
What FIRST COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 188,903,000 | 207,771,000 | 210,019,000 | 218,875,000 |
| Total loans | 167,524,000 | 176,816,000 | 178,622,000 | 179,685,000 |
| Allowance for loan losses | 1,854,000 | 1,953,000 | 2,000,000 | 1,988,000 |
| Securities available for sale | 3,449,000 | 3,716,000 | 3,994,000 | 3,979,000 |
| Securities held to maturity | 0 | 0 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,847,000 | 178,540,000 | 179,899,000 | 187,843,000 |
| Interest-bearing deposits | 134,962,000 | 157,038,000 | 158,177,000 | 163,383,000 |
| Noninterest-bearing deposits | 20,885,000 | 21,502,000 | 21,722,000 | 24,460,000 |
| Equity capital | 17,515,000 | 17,801,000 | 18,289,000 | 18,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,815,000 | 5,975,000 | 9,492,000 | 13,195,000 |
| Interest expense | 885,000 | 1,969,000 | 3,288,000 | 4,713,000 |
| Net interest income | 1,930,000 | 4,006,000 | 6,204,000 | 8,482,000 |
| Noninterest income | 131,000 | 265,000 | 405,000 | 529,000 |
| Noninterest expense | 1,023,000 | 2,069,000 | 3,202,000 | 4,498,000 |
| Provision for loan losses | 45,000 | 150,000 | 225,000 | 235,000 |
| Pretax income | 993,000 | 2,052,000 | 3,182,000 | 4,278,000 |
| Income tax | 358,000 | 741,000 | 1,147,000 | 1,536,000 |
| Net income | 635,000 | 1,311,000 | 2,035,000 | 2,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,980,000 | 16,255,000 | 16,747,000 | 17,082,000 |
| Total capital | 17,834,000 | 18,208,000 | 18,747,000 | 19,070,000 |
| Risk-weighted assets | 161,130,000 | 172,803,000 | 174,483,000 | 177,415,000 |