Call reports 2003
FIRST COMMUNITY BANK OF HILLSBORO — 2003
What FIRST COMMUNITY BANK OF HILLSBORO reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,706,000 | 42,440,000 | 42,338,000 | 45,226,000 |
| Total loans | 26,041,000 | 26,501,000 | 27,802,000 | 28,839,000 |
| Allowance for loan losses | 356,000 | 365,000 | 380,000 | 388,000 |
| Securities available for sale | 10,369,000 | 10,470,000 | 10,356,000 | 11,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,821,000 | 38,145,000 | 37,805,000 | 40,254,000 |
| Interest-bearing deposits | 33,437,000 | 33,759,000 | 33,975,000 | 35,754,000 |
| Noninterest-bearing deposits | 4,385,000 | 4,386,000 | 3,830,000 | 4,499,000 |
| Equity capital | 3,346,000 | 3,438,000 | 3,439,000 | 3,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 563,000 | 1,115,000 | 1,688,000 | 2,274,000 |
| Interest expense | 210,000 | 423,000 | 629,000 | 826,000 |
| Net interest income | 353,000 | 692,000 | 1,059,000 | 1,448,000 |
| Noninterest income | 49,000 | 112,000 | 175,000 | 232,000 |
| Noninterest expense | 255,000 | 541,000 | 830,000 | 1,145,000 |
| Provision for loan losses | 23,000 | 40,000 | 57,000 | 75,000 |
| Pretax income | 130,000 | 229,000 | 354,000 | 467,000 |
| Income tax | 42,000 | 73,000 | 111,000 | 127,000 |
| Net income | 88,000 | 156,000 | 243,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,164,000 | 3,221,000 | 3,309,000 | 3,384,000 |
| Total capital | 3,505,000 | 3,561,000 | 3,662,000 | 3,749,000 |
| Risk-weighted assets | 27,310,000 | 27,230,000 | 28,239,000 | 29,242,000 |