Call reports 2005
FIRST COMMUNITY BANK OF HILLSBORO — 2005
What FIRST COMMUNITY BANK OF HILLSBORO 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 | 50,223,000 | 50,266,000 | 50,980,000 | 49,598,000 |
| Total loans | 31,559,000 | 32,466,000 | 33,891,000 | 34,108,000 |
| Allowance for loan losses | 402,000 | 425,000 | 409,000 | 400,000 |
| Securities available for sale | 12,690,000 | 11,972,000 | 11,333,000 | 11,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,904,000 | 45,135,000 | 45,560,000 | 44,523,000 |
| Interest-bearing deposits | 41,061,000 | 40,429,000 | 40,580,000 | 39,594,000 |
| Noninterest-bearing deposits | 4,843,000 | 4,706,000 | 4,980,000 | 4,929,000 |
| Equity capital | 3,699,000 | 3,809,000 | 3,848,000 | 3,680,000 |
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 | 633,000 | 1,287,000 | 1,978,000 | 2,681,000 |
| Interest expense | 224,000 | 463,000 | 730,000 | 1,019,000 |
| Net interest income | 409,000 | 824,000 | 1,248,000 | 1,662,000 |
| Noninterest income | 64,000 | 133,000 | 210,000 | 296,000 |
| Noninterest expense | 320,000 | 664,000 | 1,016,000 | 1,378,000 |
| Provision for loan losses | 32,000 | 71,000 | 121,000 | 210,000 |
| Pretax income | 121,000 | 222,000 | 319,000 | 368,000 |
| Income tax | 13,000 | 13,000 | -2,000 | 92,000 |
| Net income | 108,000 | 209,000 | 321,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,778,000 | 3,847,000 | 3,935,000 | 3,863,000 |
| Total capital | 4,168,000 | 4,250,000 | 4,344,000 | 4,263,000 |
| Risk-weighted assets | 31,214,000 | 32,231,000 | 33,517,000 | 32,822,000 |