Call reports 2003
FIRST COMMUNITY BANK OF CRAWFORD COUNTY — 2003
What FIRST COMMUNITY BANK OF CRAWFORD COUNTY 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 | 48,314,000 | 58,348,000 | 60,074,000 | 56,598,000 |
| Total loans | 40,894,000 | 45,060,000 | 45,201,000 | 45,141,000 |
| Allowance for loan losses | 406,000 | 458,000 | 721,000 | 937,000 |
| Securities available for sale | 2,582,000 | 4,109,000 | 5,015,000 | 6,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,581,000 | 46,179,000 | 48,434,000 | 46,159,000 |
| Interest-bearing deposits | 34,069,000 | 41,053,000 | 44,276,000 | 42,476,000 |
| Noninterest-bearing deposits | 4,512,000 | 5,126,000 | 4,158,000 | 3,683,000 |
| Equity capital | 5,102,000 | 5,156,000 | 5,052,000 | 4,263,000 |
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 | 743,000 | 1,565,000 | 2,468,000 | 3,369,000 |
| Interest expense | 251,000 | 522,000 | 832,000 | 1,113,000 |
| Net interest income | 492,000 | 1,043,000 | 1,636,000 | 2,256,000 |
| Noninterest income | 101,000 | 201,000 | 349,000 | 209,000 |
| Noninterest expense | 444,000 | 905,000 | 1,411,000 | 2,048,000 |
| Provision for loan losses | 63,000 | 152,000 | 570,000 | 1,034,000 |
| Pretax income | 86,000 | 187,000 | 4,000 | -617,000 |
| Income tax | 32,000 | 88,000 | 0 | 164,000 |
| Net income | 54,000 | 99,000 | 4,000 | -781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,092,000 | 5,143,000 | 5,048,000 | 4,263,000 |
| Total capital | 5,498,000 | 5,601,000 | 5,619,000 | 4,823,000 |
| Risk-weighted assets | 39,410,000 | 45,159,000 | 45,516,000 | 44,384,000 |