Call reports 2005
FIRST COMMUNITY BANK — 2005
What FIRST COMMUNITY BANK 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 | 128,875,000 | 127,971,000 | 126,125,000 | 131,270,000 |
| Total loans | 87,239,000 | 86,742,000 | 84,639,000 | 83,858,000 |
| Allowance for loan losses | 1,287,000 | 1,287,000 | 1,287,000 | 1,252,000 |
| Securities available for sale | 29,924,000 | 34,278,000 | 33,361,000 | 37,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,576,000 | 104,078,000 | 101,896,000 | 105,315,000 |
| Interest-bearing deposits | 84,258,000 | 80,126,000 | 81,417,000 | 83,309,000 |
| Noninterest-bearing deposits | 21,318,000 | 23,952,000 | 20,479,000 | 22,006,000 |
| Equity capital | 12,915,000 | 13,396,000 | 13,766,000 | 14,095,000 |
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 | 1,816,000 | 3,687,000 | 5,552,000 | 7,467,000 |
| Interest expense | 462,000 | 977,000 | 1,511,000 | 2,095,000 |
| Net interest income | 1,354,000 | 2,710,000 | 4,041,000 | 5,372,000 |
| Noninterest income | 107,000 | 210,000 | 320,000 | 421,000 |
| Noninterest expense | 862,000 | 1,700,000 | 2,516,000 | 3,328,000 |
| Provision for loan losses | 0 | 0 | 0 | -35,000 |
| Pretax income | 599,000 | 1,220,000 | 1,845,000 | 2,500,000 |
| Income tax | 171,000 | 349,000 | 527,000 | 722,000 |
| Net income | 428,000 | 871,000 | 1,318,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,645,000 | 13,089,000 | 13,537,000 | 13,996,000 |
| Total capital | 13,870,000 | 14,293,000 | 14,747,000 | 15,197,000 |
| Risk-weighted assets | 97,954,000 | 96,264,000 | 96,764,000 | 95,999,000 |