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 | 50,572,000 | 50,744,000 | 51,235,000 | 53,809,000 |
| Total loans | 33,425,000 | 33,112,000 | 33,783,000 | 33,353,000 |
| Allowance for loan losses | 387,000 | 373,000 | 373,000 | 380,000 |
| Securities available for sale | 10,888,000 | 11,350,000 | 11,555,000 | 12,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,049,000 | 35,091,000 | 35,789,000 | 38,342,000 |
| Interest-bearing deposits | 30,479,000 | 29,278,000 | 29,587,000 | 30,749,000 |
| Noninterest-bearing deposits | 6,570,000 | 5,813,000 | 6,202,000 | 7,593,000 |
| Equity capital | 5,838,000 | 6,030,000 | 5,783,000 | 5,828,000 |
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 | 647,000 | 1,327,000 | 2,021,000 | 2,750,000 |
| Interest expense | 188,000 | 409,000 | 664,000 | 936,000 |
| Net interest income | 459,000 | 918,000 | 1,357,000 | 1,814,000 |
| Noninterest income | 39,000 | 83,000 | 131,000 | 183,000 |
| Noninterest expense | 277,000 | 550,000 | 818,000 | 1,111,000 |
| Provision for loan losses | 0 | 0 | 0 | 18,000 |
| Pretax income | 221,000 | 451,000 | 670,000 | 868,000 |
| Income tax | 10,000 | 21,000 | 32,000 | 41,000 |
| Net income | 211,000 | 430,000 | 638,000 | 827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,737,000 | 4,811,000 | 4,664,000 | 4,757,000 |
| Total capital | 5,124,000 | 5,184,000 | 5,037,000 | 5,137,000 |
| Risk-weighted assets | 39,015,000 | 39,210,000 | 36,784,000 | 38,053,000 |
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