Call reports 2003
FIRST COMMUNITY BANK AND TRUST — 2003
What FIRST COMMUNITY BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 98,949,000 | 100,372,000 | 107,138,000 | 108,994,000 |
| Total loans | 49,052,000 | 49,545,000 | 49,523,000 | 52,505,000 |
| Allowance for loan losses | 552,000 | 576,000 | 592,000 | 580,000 |
| Securities available for sale | 36,459,000 | 33,656,000 | 39,812,000 | 41,539,000 |
| Securities held to maturity | 350,000 | 350,000 | 350,000 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,588,000 | 74,366,000 | 77,293,000 | 80,750,000 |
| Interest-bearing deposits | 63,554,000 | 62,860,000 | 64,386,000 | 67,085,000 |
| Noninterest-bearing deposits | 11,034,000 | 11,506,000 | 12,907,000 | 13,665,000 |
| Equity capital | 9,055,000 | 9,546,000 | 9,566,000 | 9,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,333,000 | 2,675,000 | 4,009,000 | 5,423,000 |
| Interest expense | 468,000 | 902,000 | 1,289,000 | 1,663,000 |
| Net interest income | 865,000 | 1,773,000 | 2,720,000 | 3,760,000 |
| Noninterest income | 291,000 | 686,000 | 1,062,000 | 1,375,000 |
| Noninterest expense | 696,000 | 1,425,000 | 2,186,000 | 3,107,000 |
| Provision for loan losses | 21,000 | 42,000 | 68,000 | 184,000 |
| Pretax income | 439,000 | 992,000 | 1,528,000 | 1,844,000 |
| Income tax | 118,000 | 253,000 | 406,000 | 469,000 |
| Net income | 321,000 | 739,000 | 1,122,000 | 1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,278,000 | 8,666,000 | 9,029,000 | 8,962,000 |
| Total capital | 8,830,000 | 9,242,000 | 9,621,000 | 9,542,000 |
| Risk-weighted assets | 62,045,000 | 64,600,000 | 68,322,000 | 67,509,000 |