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 | 120,112,000 | 122,802,000 | 120,820,000 | 121,337,000 |
| Total loans | 75,837,000 | 80,946,000 | 80,350,000 | 83,488,000 |
| Allowance for loan losses | 1,002,000 | 1,047,000 | 1,115,000 | 1,191,000 |
| Securities available for sale | 34,448,000 | 33,548,000 | 32,512,000 | 31,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,251,000 | 94,473,000 | 94,687,000 | 95,506,000 |
| Interest-bearing deposits | 91,145,000 | 88,967,000 | 89,021,000 | 88,381,000 |
| Noninterest-bearing deposits | 5,106,000 | 5,506,000 | 5,666,000 | 7,125,000 |
| Equity capital | 9,920,000 | 8,945,000 | 9,032,000 | 9,183,000 |
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 | 1,563,000 | 3,234,000 | 4,948,000 | 6,758,000 |
| Interest expense | 606,000 | 1,258,000 | 1,953,000 | 2,668,000 |
| Net interest income | 957,000 | 1,976,000 | 2,995,000 | 4,090,000 |
| Noninterest income | 187,000 | 370,000 | 558,000 | 717,000 |
| Noninterest expense | 708,000 | 1,422,000 | 2,125,000 | 2,852,000 |
| Provision for loan losses | 7,000 | 73,000 | 173,000 | 258,000 |
| Pretax income | 429,000 | 851,000 | 1,255,000 | 1,699,000 |
| Income tax | 117,000 | 245,000 | 367,000 | 502,000 |
| Net income | 312,000 | 606,000 | 888,000 | 1,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,925,000 | 8,719,000 | 8,926,000 | 9,235,000 |
| Total capital | 10,927,000 | 9,778,000 | 9,983,000 | 10,372,000 |
| Risk-weighted assets | 81,200,000 | 86,692,000 | 84,459,000 | 90,884,000 |