Call reports 2005
FIRST COMMUNITY BANK OF TENNESSEE — 2005
What FIRST COMMUNITY BANK OF TENNESSEE 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 | 215,761,000 | 218,412,000 | 216,213,000 | 217,838,000 |
| Total loans | 143,914,000 | 146,218,000 | 152,273,000 | 156,345,000 |
| Allowance for loan losses | 2,149,000 | 2,160,000 | 2,273,000 | 2,214,000 |
| Securities available for sale | 42,467,000 | 44,174,000 | 43,857,000 | 40,991,000 |
| Securities held to maturity | 291,000 | 276,000 | 258,000 | 220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,811,000 | 179,167,000 | 177,532,000 | 179,459,000 |
| Interest-bearing deposits | 154,106,000 | 154,594,000 | 151,805,000 | 151,692,000 |
| Noninterest-bearing deposits | 23,705,000 | 24,573,000 | 25,727,000 | 27,767,000 |
| Equity capital | 22,943,000 | 23,804,000 | 24,637,000 | 24,860,000 |
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 | 2,806,000 | 5,765,000 | 8,888,000 | 12,125,000 |
| Interest expense | 876,000 | 1,848,000 | 2,914,000 | 4,081,000 |
| Net interest income | 1,930,000 | 3,917,000 | 5,974,000 | 8,044,000 |
| Noninterest income | 606,000 | 1,397,000 | 2,427,000 | 3,248,000 |
| Noninterest expense | 1,535,000 | 3,086,000 | 4,814,000 | 6,613,000 |
| Provision for loan losses | 80,000 | 175,000 | 336,000 | 432,000 |
| Pretax income | 921,000 | 2,053,000 | 3,251,000 | 4,247,000 |
| Income tax | 290,000 | 683,000 | 1,061,000 | 1,436,000 |
| Net income | 631,000 | 1,370,000 | 2,190,000 | 2,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,852,000 | 23,531,000 | 24,336,000 | 24,859,000 |
| Total capital | 24,834,000 | 25,534,000 | 26,399,000 | 26,976,000 |
| Risk-weighted assets | 158,380,000 | 160,105,000 | 164,796,000 | 169,298,000 |