Call reports 2003
FIRST COMMUNITY BANK NATIONAL ASSOCIATION — 2003
What FIRST COMMUNITY BANK NATIONAL ASSOCIATION 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 | 143,330,000 | 139,676,000 | 133,723,000 | 132,002,000 |
| Total loans | 83,445,000 | 83,273,000 | 78,621,000 | 74,503,000 |
| Allowance for loan losses | 1,437,000 | 1,342,000 | 1,297,000 | 1,317,000 |
| Securities available for sale | 25,930,000 | 17,486,000 | 18,976,000 | 23,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,678,000 | 113,170,000 | 107,025,000 | 105,484,000 |
| Interest-bearing deposits | 109,995,000 | 106,903,000 | 98,361,000 | 96,268,000 |
| Noninterest-bearing deposits | 6,683,000 | 6,267,000 | 8,664,000 | 9,216,000 |
| Equity capital | 19,099,000 | 19,223,000 | 19,296,000 | 19,436,000 |
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 | 2,059,000 | 3,936,000 | 5,771,000 | 7,603,000 |
| Interest expense | 871,000 | 1,669,000 | 2,415,000 | 3,125,000 |
| Net interest income | 1,188,000 | 2,267,000 | 3,356,000 | 4,478,000 |
| Noninterest income | 347,000 | 662,000 | 1,035,000 | 1,401,000 |
| Noninterest expense | 1,156,000 | 2,344,000 | 3,528,000 | 4,577,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 349,000 | 525,000 | 773,000 | 1,182,000 |
| Income tax | 135,000 | 199,000 | 294,000 | 456,000 |
| Net income | 214,000 | 326,000 | 479,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,704,000 | 17,821,000 | 17,979,000 | 18,251,000 |
| Total capital | 18,822,000 | 18,932,000 | 19,069,000 | 19,289,000 |
| Risk-weighted assets | 89,098,000 | 88,627,000 | 87,034,000 | 82,755,000 |