Call reports 2003
FIRST COMMUNITY BANK & TRUST — 2003
What FIRST COMMUNITY BANK & TRUST 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 | 141,662,000 | 162,570,000 | 153,621,000 | 169,735,000 |
| Total loans | 119,253,000 | 117,194,000 | 114,944,000 | 117,135,000 |
| Allowance for loan losses | 1,379,000 | 2,018,000 | 1,934,000 | 2,082,000 |
| Securities available for sale | 3,327,000 | 3,825,000 | 4,008,000 | 21,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,145,000 | 123,652,000 | 111,966,000 | 124,201,000 |
| Interest-bearing deposits | 104,252,000 | 107,578,000 | 97,711,000 | 109,760,000 |
| Noninterest-bearing deposits | 12,893,000 | 16,074,000 | 14,255,000 | 14,441,000 |
| Equity capital | 11,429,000 | 24,011,000 | 27,148,000 | 28,280,000 |
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 | 2,131,000 | 330,000 | 2,200,000 | 4,083,000 |
| Interest expense | 693,000 | 41,000 | 397,000 | 798,000 |
| Net interest income | 1,438,000 | 289,000 | 1,803,000 | 3,285,000 |
| Noninterest income | 442,000 | 87,000 | 558,000 | 927,000 |
| Noninterest expense | 1,361,000 | 217,000 | 1,575,000 | 3,041,000 |
| Provision for loan losses | 23,000 | 0 | 90,000 | 340,000 |
| Pretax income | 496,000 | 159,000 | 696,000 | 831,000 |
| Income tax | 171,000 | 59,000 | 249,000 | 276,000 |
| Net income | 325,000 | 100,000 | 447,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,147,000 | 7,734,000 | 10,910,000 | 11,774,000 |
| Total capital | 12,526,000 | 9,180,000 | 12,291,000 | 13,273,000 |
| Risk-weighted assets | 114,656,000 | 115,138,000 | 109,931,000 | 119,298,000 |