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 | 83,849,000 | 84,815,000 | 82,898,000 | 87,850,000 |
| Total loans | 58,708,000 | 58,078,000 | 58,442,000 | 60,569,000 |
| Allowance for loan losses | 1,003,000 | 1,003,000 | 1,075,000 | 1,026,000 |
| Securities available for sale | 16,090,000 | 16,830,000 | 18,102,000 | 18,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,564,000 | 70,883,000 | 68,888,000 | 74,052,000 |
| Interest-bearing deposits | 59,757,000 | 62,397,000 | 60,357,000 | 60,820,000 |
| Noninterest-bearing deposits | 10,807,000 | 8,486,000 | 8,531,000 | 13,232,000 |
| Equity capital | 7,277,000 | 7,565,000 | 7,688,000 | 7,109,000 |
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 | 1,207,000 | 2,525,000 | 3,820,000 | 5,235,000 |
| Interest expense | 403,000 | 866,000 | 1,386,000 | 1,946,000 |
| Net interest income | 804,000 | 1,659,000 | 2,434,000 | 3,289,000 |
| Noninterest income | 342,000 | 414,000 | 484,000 | 586,000 |
| Noninterest expense | 603,000 | 1,220,000 | 1,782,000 | 2,538,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 539,000 | 823,000 | 1,095,000 | 1,194,000 |
| Income tax | 180,000 | 273,000 | 360,000 | 396,000 |
| Net income | 359,000 | 550,000 | 735,000 | 798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,674,000 | 6,865,000 | 7,050,000 | 6,514,000 |
| Total capital | 7,406,000 | 7,584,000 | 7,784,000 | 7,284,000 |
| Risk-weighted assets | 58,299,000 | 57,254,000 | 58,353,000 | 61,344,000 |