Call reports 2008
FIRST COMMUNITY BANK AND TRUST — 2008
What FIRST COMMUNITY BANK AND TRUST 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 | 132,808,000 | 135,489,000 | 142,233,000 | 142,213,000 |
| Total loans | 73,793,000 | 77,188,000 | 78,758,000 | 84,361,000 |
| Allowance for loan losses | 764,000 | 781,000 | 878,000 | 1,401,000 |
| Securities available for sale | 39,498,000 | 39,955,000 | 43,992,000 | 45,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,426,000 | 98,744,000 | 103,417,000 | 103,486,000 |
| Interest-bearing deposits | 84,415,000 | 83,562,000 | 87,176,000 | 86,050,000 |
| Noninterest-bearing deposits | 16,011,000 | 15,182,000 | 16,241,000 | 17,436,000 |
| Equity capital | 13,736,000 | 13,645,000 | 14,066,000 | 14,052,000 |
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 | 1,884,000 | 3,728,000 | 5,646,000 | 7,594,000 |
| Interest expense | 795,000 | 1,473,000 | 2,126,000 | 2,751,000 |
| Net interest income | 1,089,000 | 2,255,000 | 3,520,000 | 4,843,000 |
| Noninterest income | 457,000 | 878,000 | 1,286,000 | 1,720,000 |
| Noninterest expense | 934,000 | 1,828,000 | 2,806,000 | 3,760,000 |
| Provision for loan losses | 30,000 | 60,000 | 165,000 | 785,000 |
| Pretax income | 608,000 | 1,280,000 | 1,870,000 | 2,053,000 |
| Income tax | 147,000 | 335,000 | 461,000 | 419,000 |
| Net income | 461,000 | 945,000 | 1,409,000 | 1,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,238,000 | 13,581,000 | 14,025,000 | 13,850,000 |
| Total capital | 14,002,000 | 14,362,000 | 14,903,000 | 14,948,000 |
| Risk-weighted assets | 86,265,000 | 88,088,000 | 91,171,000 | 87,500,000 |