Call reports 2004
FIRST COMMUNITY BANK OF HILLSBORO — 2004
What FIRST COMMUNITY BANK OF HILLSBORO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 45,667,000 | 48,041,000 | 48,802,000 | 48,106,000 |
| Total loans | 28,708,000 | 31,184,000 | 31,637,000 | 30,926,000 |
| Allowance for loan losses | 403,000 | 425,000 | 418,000 | 377,000 |
| Securities available for sale | 11,983,000 | 12,733,000 | 11,942,000 | 12,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,681,000 | 43,655,000 | 43,741,000 | 43,341,000 |
| Interest-bearing deposits | 36,597,000 | 38,517,000 | 39,126,000 | 38,682,000 |
| Noninterest-bearing deposits | 4,084,000 | 5,138,000 | 4,614,000 | 4,659,000 |
| Equity capital | 3,659,000 | 3,502,000 | 3,735,000 | 3,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 587,000 | 1,177,000 | 1,792,000 | 2,413,000 |
| Interest expense | 189,000 | 377,000 | 580,000 | 784,000 |
| Net interest income | 398,000 | 800,000 | 1,212,000 | 1,629,000 |
| Noninterest income | 55,000 | 120,000 | 191,000 | 258,000 |
| Noninterest expense | 296,000 | 585,000 | 889,000 | 1,205,000 |
| Provision for loan losses | 21,000 | 48,000 | 108,000 | 291,000 |
| Pretax income | 176,000 | 327,000 | 447,000 | 432,000 |
| Income tax | 65,000 | 104,000 | 137,000 | 114,000 |
| Net income | 111,000 | 223,000 | 310,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,496,000 | 3,586,000 | 3,672,000 | 3,650,000 |
| Total capital | 3,859,000 | 3,971,000 | 4,054,000 | 4,024,000 |
| Risk-weighted assets | 29,009,000 | 30,795,000 | 30,588,000 | 29,883,000 |