Call reports 2004
FIRST COMMUNITY BANK AND TRUST — 2004
What FIRST COMMUNITY BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 109,161,000 | 107,984,000 | 111,407,000 | 113,804,000 |
| Total loans | 55,289,000 | 56,517,000 | 58,715,000 | 58,232,000 |
| Allowance for loan losses | 605,000 | 612,000 | 655,000 | 622,000 |
| Securities available for sale | 39,308,000 | 35,437,000 | 36,218,000 | 40,344,000 |
| Securities held to maturity | 350,000 | 350,000 | 350,000 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,287,000 | 81,857,000 | 83,515,000 | 86,418,000 |
| Interest-bearing deposits | 69,296,000 | 68,534,000 | 69,816,000 | 71,865,000 |
| Noninterest-bearing deposits | 12,991,000 | 13,323,000 | 13,699,000 | 14,553,000 |
| Equity capital | 9,893,000 | 9,679,000 | 10,344,000 | 10,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,377,000 | 2,749,000 | 4,150,000 | 5,612,000 |
| Interest expense | 357,000 | 696,000 | 1,047,000 | 1,413,000 |
| Net interest income | 1,020,000 | 2,053,000 | 3,103,000 | 4,199,000 |
| Noninterest income | 302,000 | 652,000 | 1,075,000 | 1,448,000 |
| Noninterest expense | 768,000 | 1,555,000 | 2,342,000 | 3,297,000 |
| Provision for loan losses | 21,000 | 42,000 | 110,000 | 173,000 |
| Pretax income | 533,000 | 1,108,000 | 1,726,000 | 2,177,000 |
| Income tax | 147,000 | 312,000 | 494,000 | 606,000 |
| Net income | 386,000 | 796,000 | 1,232,000 | 1,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,188,000 | 9,549,000 | 9,986,000 | 9,945,000 |
| Total capital | 9,793,000 | 10,161,000 | 10,641,000 | 10,567,000 |
| Risk-weighted assets | 68,045,000 | 68,983,000 | 71,052,000 | 69,207,000 |