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 | 414,621,000 | 422,678,000 | 431,904,000 | 438,050,000 |
| Total loans | 346,774,000 | 359,022,000 | 364,817,000 | 373,153,000 |
| Allowance for loan losses | 2,108,000 | 2,220,000 | 2,270,000 | 2,351,000 |
| Securities available for sale | 6,674,000 | 7,197,000 | 8,235,000 | 17,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,023,000 | 361,546,000 | 374,222,000 | 374,632,000 |
| Interest-bearing deposits | 329,153,000 | 333,261,000 | 341,262,000 | 344,652,000 |
| Noninterest-bearing deposits | 25,870,000 | 28,285,000 | 32,960,000 | 29,980,000 |
| Equity capital | 29,129,000 | 30,597,000 | 31,730,000 | 32,258,000 |
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 | 6,252,000 | 13,223,000 | 20,658,000 | 28,467,000 |
| Interest expense | 2,249,000 | 4,755,000 | 7,568,000 | 10,617,000 |
| Net interest income | 4,003,000 | 8,468,000 | 13,090,000 | 17,850,000 |
| Noninterest income | 911,000 | 1,831,000 | 2,957,000 | 3,831,000 |
| Noninterest expense | 3,746,000 | 7,561,000 | 11,583,000 | 15,861,000 |
| Provision for loan losses | 119,000 | 252,000 | 368,000 | 524,000 |
| Pretax income | 1,049,000 | 2,486,000 | 4,096,000 | 5,296,000 |
| Income tax | 306,000 | 745,000 | 1,472,000 | 1,879,000 |
| Net income | 743,000 | 1,741,000 | 2,624,000 | 3,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,206,000 | 30,629,000 | 31,787,000 | 32,406,000 |
| Total capital | 38,314,000 | 39,849,000 | 41,057,000 | 44,862,000 |
| Risk-weighted assets | 344,327,000 | 356,250,000 | 365,101,000 | 357,658,000 |