Call reports 2007
1ST COMMUNITY BANK — 2007
What 1ST COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,281,000 | 49,734,000 | 49,614,000 | 50,385,000 |
| Total loans | 32,109,000 | 32,298,000 | 34,661,000 | 34,594,000 |
| Allowance for loan losses | 281,000 | 294,000 | 306,000 | 310,000 |
| Securities available for sale | 10,163,000 | 11,518,000 | 9,584,000 | 9,554,000 |
| Securities held to maturity | 189,000 | 189,000 | 189,000 | 189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,758,000 | 40,191,000 | 39,803,000 | 40,475,000 |
| Interest-bearing deposits | 34,655,000 | 34,213,000 | 34,492,000 | 35,043,000 |
| Noninterest-bearing deposits | 4,103,000 | 5,978,000 | 5,311,000 | 5,432,000 |
| Equity capital | 4,105,000 | 4,141,000 | 4,361,000 | 4,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 723,000 | 1,473,000 | 2,243,000 | 3,025,000 |
| Interest expense | 371,000 | 757,000 | 1,156,000 | 1,558,000 |
| Net interest income | 352,000 | 716,000 | 1,087,000 | 1,467,000 |
| Noninterest income | 35,000 | 78,000 | 121,000 | 172,000 |
| Noninterest expense | 288,000 | 577,000 | 872,000 | 1,188,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 87,000 | 193,000 | 278,000 | 384,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 84,000 | 190,000 | 275,000 | 381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,131,000 | 4,237,000 | 4,322,000 | 4,428,000 |
| Total capital | 4,412,000 | 4,531,000 | 4,628,000 | 4,738,000 |
| Risk-weighted assets | 34,634,000 | 35,073,000 | 37,198,000 | 37,321,000 |