Call reports 2004
FIRST COMMUNITY BANK & TRUST — 2004
What FIRST COMMUNITY BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 164,506,000 | 163,763,000 | 159,490,000 |
| Total loans | 114,028,000 | 111,926,000 | 107,577,000 |
| Allowance for loan losses | 2,087,000 | 1,630,000 | 1,567,000 |
| Securities available for sale | 20,893,000 | 20,215,000 | 19,096,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 122,909,000 | 116,793,000 | 118,209,000 |
| Interest-bearing deposits | 108,028,000 | 100,994,000 | 100,772,000 |
| Noninterest-bearing deposits | 14,881,000 | 15,799,000 | 17,437,000 |
| Equity capital | 28,657,000 | 27,956,000 | 28,382,000 |
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 |
|---|---|---|---|
| Interest income | 1,935,000 | 3,904,000 | 5,891,000 |
| Interest expense | 435,000 | 859,000 | 1,276,000 |
| Net interest income | 1,500,000 | 3,045,000 | 4,615,000 |
| Noninterest income | 400,000 | 840,000 | 1,264,000 |
| Noninterest expense | 1,498,000 | 3,039,000 | 4,525,000 |
| Provision for loan losses | 0 | 60,000 | 120,000 |
| Pretax income | 402,000 | 786,000 | 1,243,000 |
| Income tax | 133,000 | 266,000 | 437,000 |
| Net income | 269,000 | 520,000 | 806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 12,092,000 | 11,969,000 | 12,227,000 |
| Total capital | 13,549,000 | 13,417,000 | 13,636,000 |
| Risk-weighted assets | 115,909,000 | 115,637,000 | 112,567,000 |