Call reports 2005
FIRST COMMUNITY BANK AND TRUST — 2005
What FIRST COMMUNITY BANK AND TRUST 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 | 113,810,000 | 118,488,000 | 122,107,000 | 119,854,000 |
| Total loans | 57,280,000 | 58,204,000 | 65,286,000 | 65,144,000 |
| Allowance for loan losses | 651,000 | 655,000 | 618,000 | 676,000 |
| Securities available for sale | 38,359,000 | 39,352,000 | 39,495,000 | 40,407,000 |
| Securities held to maturity | 350,000 | 350,000 | 350,000 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,994,000 | 88,921,000 | 93,470,000 | 89,916,000 |
| Interest-bearing deposits | 72,307,000 | 73,110,000 | 77,023,000 | 73,806,000 |
| Noninterest-bearing deposits | 14,687,000 | 15,811,000 | 16,447,000 | 16,110,000 |
| Equity capital | 10,114,000 | 10,734,000 | 10,895,000 | 10,730,000 |
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 | 1,467,000 | 2,978,000 | 4,589,000 | 6,317,000 |
| Interest expense | 381,000 | 804,000 | 1,265,000 | 1,796,000 |
| Net interest income | 1,086,000 | 2,174,000 | 3,324,000 | 4,521,000 |
| Noninterest income | 363,000 | 749,000 | 1,123,000 | 1,484,000 |
| Noninterest expense | 826,000 | 1,687,000 | 2,561,000 | 3,515,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 139,000 |
| Pretax income | 602,000 | 1,194,000 | 1,828,000 | 2,356,000 |
| Income tax | 178,000 | 345,000 | 535,000 | 678,000 |
| Net income | 424,000 | 849,000 | 1,293,000 | 1,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,228,000 | 10,593,000 | 10,978,000 | 11,022,000 |
| Total capital | 10,879,000 | 11,248,000 | 11,596,000 | 11,698,000 |
| Risk-weighted assets | 72,798,000 | 75,410,000 | 78,241,000 | 76,186,000 |