Call reports 2008
FIRST COMMUNITY BANK — 2008
What FIRST COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 483,003,000 | 493,660,000 | 523,292,000 | 543,002,000 |
| Total loans | 369,207,000 | 384,850,000 | 411,989,000 | 430,037,000 |
| Allowance for loan losses | 4,062,000 | 4,259,000 | 4,450,000 | 4,785,000 |
| Securities available for sale | 78,642,000 | 72,844,000 | 74,875,000 | 72,217,000 |
| Securities held to maturity | 6,537,000 | 6,387,000 | 6,262,000 | 6,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,783,000 | 380,488,000 | 389,329,000 | 405,966,000 |
| Interest-bearing deposits | 360,522,000 | 349,749,000 | 357,426,000 | 375,687,000 |
| Noninterest-bearing deposits | 29,261,000 | 30,739,000 | 31,903,000 | 30,280,000 |
| Equity capital | 34,905,000 | 34,944,000 | 39,250,000 | 40,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,143,000 | 16,263,000 | 24,660,000 | 33,268,000 |
| Interest expense | 4,370,000 | 8,438,000 | 12,264,000 | 16,095,000 |
| Net interest income | 3,773,000 | 7,825,000 | 12,396,000 | 17,173,000 |
| Noninterest income | 958,000 | 2,127,000 | 3,259,000 | 4,278,000 |
| Noninterest expense | 3,114,000 | 6,341,000 | 9,716,000 | 13,372,000 |
| Provision for loan losses | 270,000 | 540,000 | 885,000 | 1,330,000 |
| Pretax income | 1,438,000 | 3,170,000 | 5,149,000 | 6,846,000 |
| Income tax | 423,000 | 958,000 | 1,583,000 | 2,086,000 |
| Net income | 1,015,000 | 2,212,000 | 3,566,000 | 4,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,276,000 | 35,474,000 | 39,041,000 | 40,130,000 |
| Total capital | 38,338,000 | 39,733,000 | 43,491,000 | 44,915,000 |
| Risk-weighted assets | 364,575,000 | 375,991,000 | 402,631,000 | 410,999,000 |