Call reports 2025
FIRST COMMUNITY BANK AND TRUST — 2025
What FIRST COMMUNITY BANK AND TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 201,263,000 | 196,800,000 | 205,436,000 | 201,699,000 |
| Total loans | 96,682,000 | 98,220,000 | 104,312,000 | 102,795,000 |
| Allowance for loan losses | 1,150,000 | 1,630,000 | 1,127,000 | 1,013,000 |
| Securities available for sale | 65,515,000 | 65,877,000 | 63,175,000 | 65,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,525,000 | 167,185,000 | 169,734,000 | 170,073,000 |
| Interest-bearing deposits | 109,789,000 | 110,516,000 | 113,192,000 | 112,457,000 |
| Noninterest-bearing deposits | 61,736,000 | 56,669,000 | 56,542,000 | 57,616,000 |
| Equity capital | 24,676,000 | 25,260,000 | 26,600,000 | 26,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,374,000 | 4,854,000 | 7,440,000 | 10,126,000 |
| Interest expense | 479,000 | 897,000 | 1,405,000 | 1,929,000 |
| Net interest income | 1,895,000 | 3,957,000 | 6,035,000 | 8,197,000 |
| Noninterest income | 241,000 | 542,000 | 867,000 | 1,179,000 |
| Noninterest expense | 1,374,000 | 2,666,000 | 3,961,000 | 5,373,000 |
| Provision for loan losses | 123,000 | 548,000 | 674,000 | 735,000 |
| Pretax income | 641,000 | 1,287,000 | 2,269,000 | 3,270,000 |
| Income tax | 139,000 | 280,000 | 509,000 | 743,000 |
| Net income | 502,000 | 1,007,000 | 1,760,000 | 2,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,244,000 | 26,748,000 | 27,322,000 | 27,129,000 |