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 | 452,304,000 | 460,094,000 | 461,832,000 | 465,593,000 |
| Total loans | 190,072,000 | 202,533,000 | 211,052,000 | 221,668,000 |
| Allowance for loan losses | 2,856,000 | 2,668,000 | 2,715,000 | 2,701,000 |
| Securities available for sale | 174,653,000 | 177,388,000 | 170,406,000 | 164,993,000 |
| Securities held to maturity | 5,683,000 | 5,727,000 | 5,720,000 | 5,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,176,000 | 339,608,000 | 339,957,000 | 353,934,000 |
| Interest-bearing deposits | 285,254,000 | 326,778,000 | 321,588,000 | 336,825,000 |
| Noninterest-bearing deposits | 55,922,000 | 12,830,000 | 18,369,000 | 17,109,000 |
| Equity capital | 59,672,000 | 61,127,000 | 61,176,000 | 61,048,000 |
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 | 4,855,000 | 10,092,000 | 15,524,000 | 21,292,000 |
| Interest expense | 1,515,000 | 3,282,000 | 5,286,000 | 7,486,000 |
| Net interest income | 3,340,000 | 6,810,000 | 10,238,000 | 13,806,000 |
| Noninterest income | 556,000 | 1,173,000 | 1,945,000 | 3,110,000 |
| Noninterest expense | 2,764,000 | 5,593,000 | 8,476,000 | 11,699,000 |
| Provision for loan losses | 66,000 | 138,000 | 217,000 | 329,000 |
| Pretax income | 1,247,000 | 2,440,000 | 3,678,000 | 5,076,000 |
| Income tax | 278,000 | 521,000 | 764,000 | 1,033,000 |
| Net income | 969,000 | 1,919,000 | 2,914,000 | 4,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,605,000 | 34,424,000 | 35,072,000 | 36,179,000 |
| Total capital | 36,461,000 | 37,092,000 | 37,787,000 | 38,880,000 |
| Risk-weighted assets | 277,366,000 | 290,062,000 | 297,206,000 | 307,990,000 |