Call reports 2004
1ST COMMUNITY BANK — 2004
What 1ST COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 44,281,000 | 44,961,000 | 45,699,000 | 45,460,000 |
| Total loans | 23,345,000 | 24,187,000 | 25,604,000 | 25,700,000 |
| Allowance for loan losses | 222,000 | 223,000 | 233,000 | 241,000 |
| Securities available for sale | 15,997,000 | 16,009,000 | 14,633,000 | 15,711,000 |
| Securities held to maturity | 188,000 | 188,000 | 188,000 | 188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,303,000 | 36,335,000 | 36,711,000 | 36,875,000 |
| Interest-bearing deposits | 31,284,000 | 32,797,000 | 33,367,000 | 32,437,000 |
| Noninterest-bearing deposits | 4,019,000 | 3,538,000 | 3,344,000 | 4,438,000 |
| Equity capital | 3,727,000 | 3,385,000 | 3,752,000 | 3,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 580,000 | 1,163,000 | 1,761,000 | 2,360,000 |
| Interest expense | 231,000 | 457,000 | 684,000 | 916,000 |
| Net interest income | 349,000 | 706,000 | 1,077,000 | 1,444,000 |
| Noninterest income | 41,000 | 87,000 | 137,000 | 180,000 |
| Noninterest expense | 260,000 | 516,000 | 780,000 | 1,052,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 121,000 | 259,000 | 407,000 | 536,000 |
| Income tax | 2,000 | 6,000 | 8,000 | 11,000 |
| Net income | 119,000 | 253,000 | 399,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,069,000 | 3,203,000 | 3,350,000 | 3,126,000 |
| Total capital | 3,291,000 | 3,426,000 | 3,583,000 | 3,367,000 |
| Risk-weighted assets | 30,041,000 | 31,072,000 | 32,082,000 | 31,848,000 |