Call reports 2003
1ST COMMUNITY BANK — 2003
What 1ST 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 | 44,861,000 | 45,225,000 | 45,252,000 | 44,903,000 |
| Total loans | 20,923,000 | 22,092,000 | 22,827,000 | 22,728,000 |
| Allowance for loan losses | 210,000 | 203,000 | 184,000 | 212,000 |
| Securities available for sale | 16,926,000 | 14,615,000 | 14,454,000 | 17,225,000 |
| Securities held to maturity | 188,000 | 188,000 | 188,000 | 188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,592,000 | 36,321,000 | 36,543,000 | 36,232,000 |
| Interest-bearing deposits | 32,613,000 | 32,289,000 | 32,029,000 | 32,044,000 |
| Noninterest-bearing deposits | 3,979,000 | 4,032,000 | 4,514,000 | 4,188,000 |
| Equity capital | 2,967,000 | 3,589,000 | 3,447,000 | 3,438,000 |
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 | 592,000 | 1,151,000 | 1,717,000 | 2,298,000 |
| Interest expense | 295,000 | 580,000 | 842,000 | 1,085,000 |
| Net interest income | 297,000 | 571,000 | 875,000 | 1,213,000 |
| Noninterest income | 40,000 | 81,000 | 132,000 | 177,000 |
| Noninterest expense | 251,000 | 512,000 | 768,000 | 1,017,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 54,000 |
| Pretax income | 77,000 | 130,000 | 220,000 | 327,000 |
| Income tax | 3,000 | 5,000 | 9,000 | 12,000 |
| Net income | 74,000 | 125,000 | 211,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,540,000 | 2,861,000 | 2,947,000 | 2,950,000 |
| Total capital | 2,750,000 | 3,064,000 | 3,131,000 | 3,162,000 |
| Risk-weighted assets | 29,830,000 | 29,136,000 | 29,493,000 | 29,757,000 |