Call reports 2005
FIRST COMMUNITY BANK — 2005
What FIRST 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 | 343,573,000 | 342,006,000 | 355,049,000 | 377,757,000 |
| Total loans | 253,745,000 | 257,682,000 | 261,730,000 | 278,159,000 |
| Allowance for loan losses | 3,067,000 | 3,224,000 | 3,238,000 | 3,340,000 |
| Securities available for sale | 55,933,000 | 50,325,000 | 57,816,000 | 62,866,000 |
| Securities held to maturity | 14,853,000 | 14,278,000 | 14,279,000 | 14,172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,404,000 | 281,256,000 | 292,203,000 | 308,006,000 |
| Interest-bearing deposits | 258,172,000 | 259,121,000 | 267,236,000 | 283,395,000 |
| Noninterest-bearing deposits | 23,233,000 | 22,135,000 | 24,967,000 | 24,611,000 |
| Equity capital | 23,742,000 | 25,062,000 | 25,615,000 | 25,870,000 |
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 | 4,692,000 | 9,600,000 | 14,717,000 | 20,146,000 |
| Interest expense | 1,873,000 | 3,920,000 | 6,064,000 | 8,534,000 |
| Net interest income | 2,819,000 | 5,680,000 | 8,653,000 | 11,612,000 |
| Noninterest income | 571,000 | 1,185,000 | 1,877,000 | 2,588,000 |
| Noninterest expense | 2,137,000 | 4,330,000 | 6,426,000 | 8,721,000 |
| Provision for loan losses | 249,000 | 471,000 | 701,000 | 891,000 |
| Pretax income | 1,004,000 | 2,086,000 | 3,425,000 | 4,610,000 |
| Income tax | 339,000 | 703,000 | 1,136,000 | 1,581,000 |
| Net income | 665,000 | 1,383,000 | 2,289,000 | 3,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,615,000 | 25,332,000 | 26,144,000 | 26,789,000 |
| Total capital | 27,682,000 | 28,539,000 | 29,382,000 | 30,129,000 |
| Risk-weighted assets | 254,487,000 | 256,577,000 | 263,221,000 | 280,851,000 |