Call reports 2008
FIRST COMMUNITY BANK OF TENNESSEE — 2008
What FIRST COMMUNITY BANK OF TENNESSEE 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 | 254,147,000 | 256,264,000 | 254,645,000 | 252,698,000 |
| Total loans | 163,436,000 | 163,758,000 | 163,122,000 | 164,225,000 |
| Allowance for loan losses | 2,050,000 | 2,261,000 | 2,180,000 | 1,785,000 |
| Securities available for sale | 61,697,000 | 59,454,000 | 63,333,000 | 63,549,000 |
| Securities held to maturity | 111,000 | 107,000 | 104,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,870,000 | 197,878,000 | 195,927,000 | 190,188,000 |
| Interest-bearing deposits | 170,138,000 | 172,636,000 | 168,822,000 | 166,610,000 |
| Noninterest-bearing deposits | 23,732,000 | 25,242,000 | 27,105,000 | 23,578,000 |
| Equity capital | 30,845,000 | 30,693,000 | 29,063,000 | 30,128,000 |
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 | 3,919,000 | 7,670,000 | 11,378,000 | 15,033,000 |
| Interest expense | 1,834,000 | 3,503,000 | 5,045,000 | 6,465,000 |
| Net interest income | 2,085,000 | 4,167,000 | 6,333,000 | 8,568,000 |
| Noninterest income | 1,053,000 | 2,391,000 | 3,527,000 | 4,527,000 |
| Noninterest expense | 2,011,000 | 3,973,000 | 6,023,000 | 8,410,000 |
| Provision for loan losses | 164,000 | 440,000 | 599,000 | 865,000 |
| Pretax income | 1,015,000 | 2,210,000 | 3,305,000 | 3,901,000 |
| Income tax | 253,000 | 645,000 | 882,000 | 819,000 |
| Net income | 762,000 | 1,565,000 | 2,423,000 | 3,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,575,000 | 30,343,000 | 28,739,000 | 29,349,000 |
| Total capital | 31,625,000 | 32,604,000 | 30,919,000 | 31,134,000 |
| Risk-weighted assets | 180,519,000 | 182,203,000 | 180,392,000 | 178,324,000 |