Call reports 2005
FIRST COMMUNITY BANK — 2005
What FIRST COMMUNITY BANK 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 | 236,981,000 | 236,666,000 | 251,064,000 | 260,856,000 |
| Total loans | 157,406,000 | 166,759,000 | 171,254,000 | 180,042,000 |
| Allowance for loan losses | 1,818,000 | 1,909,000 | 2,022,000 | 2,154,000 |
| Securities available for sale | 58,531,000 | 51,742,000 | 50,037,000 | 55,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,469,000 | 199,864,000 | 208,993,000 | 217,384,000 |
| Interest-bearing deposits | 168,875,000 | 169,086,000 | 176,513,000 | 185,432,000 |
| Noninterest-bearing deposits | 29,594,000 | 30,778,000 | 32,480,000 | 31,952,000 |
| Equity capital | 18,863,000 | 20,280,000 | 20,163,000 | 20,351,000 |
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 | 3,589,000 | 7,230,000 | 11,046,000 | 15,258,000 |
| Interest expense | 1,047,000 | 2,132,000 | 3,335,000 | 4,695,000 |
| Net interest income | 2,542,000 | 5,098,000 | 7,711,000 | 10,563,000 |
| Noninterest income | 343,000 | 714,000 | 1,176,000 | 1,509,000 |
| Noninterest expense | 1,796,000 | 3,532,000 | 5,365,000 | 7,269,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 1,030,000 | 1,894,000 | 3,063,000 | 4,248,000 |
| Income tax | 64,000 | 136,000 | 201,000 | 263,000 |
| Net income | 966,000 | 1,758,000 | 2,862,000 | 3,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,366,000 | 19,612,000 | 20,138,000 | 20,515,000 |
| Total capital | 21,180,000 | 21,516,000 | 22,155,000 | 22,664,000 |
| Risk-weighted assets | 178,893,000 | 185,551,000 | 196,196,000 | 207,561,000 |