Call reports 2005
1ST COMMUNITY BANK — 2005
What 1ST 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 | 45,319,000 | 44,821,000 | 46,081,000 | 47,048,000 |
| Total loans | 26,424,000 | 27,406,000 | 28,517,000 | 28,547,000 |
| Allowance for loan losses | 241,000 | 246,000 | 251,000 | 237,000 |
| Securities available for sale | 14,757,000 | 14,120,000 | 13,335,000 | 13,040,000 |
| Securities held to maturity | 188,000 | 188,000 | 188,000 | 189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,818,000 | 36,076,000 | 37,243,000 | 38,245,000 |
| Interest-bearing deposits | 32,942,000 | 31,712,000 | 33,056,000 | 33,842,000 |
| Noninterest-bearing deposits | 3,876,000 | 4,364,000 | 4,187,000 | 4,403,000 |
| Equity capital | 3,261,000 | 3,490,000 | 3,564,000 | 3,523,000 |
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 | 589,000 | 1,195,000 | 1,822,000 | 2,465,000 |
| Interest expense | 228,000 | 463,000 | 721,000 | 997,000 |
| Net interest income | 361,000 | 732,000 | 1,101,000 | 1,468,000 |
| Noninterest income | 42,000 | 90,000 | 138,000 | 185,000 |
| Noninterest expense | 263,000 | 537,000 | 809,000 | 1,102,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 131,000 | 267,000 | 403,000 | 515,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 11,000 |
| Net income | 128,000 | 261,000 | 395,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,254,000 | 3,387,000 | 3,521,000 | 3,630,000 |
| Total capital | 3,495,000 | 3,633,000 | 3,772,000 | 3,867,000 |
| Risk-weighted assets | 31,824,000 | 32,019,000 | 33,001,000 | 33,394,000 |