Call reports 2003
FIRST COMMUNITY BANK — 2003
What FIRST COMMUNITY BANK 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 | 56,529,000 | 62,633,000 | 59,182,000 | 60,772,000 |
| Total loans | 38,319,000 | 42,332,000 | 43,546,000 | 46,407,000 |
| Allowance for loan losses | 580,000 | 597,000 | 638,000 | 674,000 |
| Securities available for sale | 13,260,000 | 16,206,000 | 12,880,000 | 10,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,919,000 | 52,893,000 | 48,372,000 | 51,129,000 |
| Interest-bearing deposits | 42,895,000 | 48,741,000 | 43,994,000 | 44,950,000 |
| Noninterest-bearing deposits | 4,024,000 | 4,152,000 | 4,378,000 | 6,179,000 |
| Equity capital | 4,253,000 | 4,324,000 | 4,173,000 | 4,277,000 |
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 | 806,000 | 1,634,000 | 2,455,000 | 3,215,000 |
| Interest expense | 255,000 | 492,000 | 699,000 | 888,000 |
| Net interest income | 551,000 | 1,142,000 | 1,756,000 | 2,327,000 |
| Noninterest income | 207,000 | 405,000 | 627,000 | 847,000 |
| Noninterest expense | 432,000 | 880,000 | 1,370,000 | 1,794,000 |
| Provision for loan losses | 22,000 | 41,000 | 81,000 | 146,000 |
| Pretax income | 303,000 | 648,000 | 951,000 | 1,245,000 |
| Income tax | 1,000 | 4,000 | 5,000 | 5,000 |
| Net income | 302,000 | 644,000 | 946,000 | 1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,082,000 | 4,195,000 | 4,240,000 | 4,309,000 |
| Total capital | 4,580,000 | 4,752,000 | 4,775,000 | 4,882,000 |
| Risk-weighted assets | 39,782,000 | 44,516,000 | 42,734,000 | 45,774,000 |