Call reports 2016
1ST COMMUNITY BANK — 2016
What 1ST COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 67,936,000 | 64,962,000 | 62,420,000 | 65,907,000 |
| Total loans | 46,503,000 | 44,717,000 | 44,340,000 | 44,840,000 |
| Allowance for loan losses | 390,000 | 405,000 | 420,000 | 439,000 |
| Securities available for sale | 12,792,000 | 9,348,000 | 7,855,000 | 8,895,000 |
| Securities held to maturity | 953,000 | 953,000 | 787,000 | 782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,322,000 | 58,339,000 | 55,871,000 | 59,764,000 |
| Interest-bearing deposits | 50,402,000 | 50,782,000 | 48,547,000 | 48,290,000 |
| Noninterest-bearing deposits | 7,920,000 | 7,557,000 | 7,324,000 | 11,474,000 |
| Equity capital | 6,405,000 | 6,413,000 | 6,334,000 | 6,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 559,000 | 1,120,000 | 1,648,000 | 2,179,000 |
| Interest expense | 100,000 | 197,000 | 290,000 | 379,000 |
| Net interest income | 459,000 | 923,000 | 1,358,000 | 1,800,000 |
| Noninterest income | 24,000 | 45,000 | 73,000 | 96,000 |
| Noninterest expense | 421,000 | 835,000 | 1,248,000 | 1,645,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 76,000 | 171,000 | 206,000 | 244,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 75,000 | 169,000 | 203,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,360,000 | 6,329,000 | 6,238,000 | 6,275,000 |
| Total capital | 6,750,000 | 6,734,000 | 6,658,000 | 6,714,000 |
| Risk-weighted assets | 47,654,000 | 44,599,000 | 43,533,000 | 44,680,000 |