Call reports 2004
FIRST COMMUNITY BANK OF CRAWFORD COUNTY — 2004
What FIRST COMMUNITY BANK OF CRAWFORD COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 56,891,000 | 52,605,000 | 53,398,000 | 50,603,000 |
| Total loans | 43,350,000 | 41,531,000 | 39,933,000 | 37,171,000 |
| Allowance for loan losses | 925,000 | 927,000 | 861,000 | 725,000 |
| Securities available for sale | 6,290,000 | 5,360,000 | 6,284,000 | 7,691,000 |
| Securities held to maturity | 0 | 406,000 | 897,000 | 884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,906,000 | 43,129,000 | 44,274,000 | 41,387,000 |
| Interest-bearing deposits | 42,601,000 | 39,249,000 | 39,837,000 | 37,220,000 |
| Noninterest-bearing deposits | 4,305,000 | 3,880,000 | 4,437,000 | 4,167,000 |
| Equity capital | 4,184,000 | 4,054,000 | 4,049,000 | 4,539,000 |
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 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 860,000 | 1,683,000 | 2,465,000 | 3,219,000 |
| Interest expense | 266,000 | 519,000 | 763,000 | 1,004,000 |
| Net interest income | 594,000 | 1,164,000 | 1,702,000 | 2,215,000 |
| Noninterest income | 84,000 | 187,000 | 264,000 | 342,000 |
| Noninterest expense | 580,000 | 1,259,000 | 1,905,000 | 2,504,000 |
| Provision for loan losses | 177,000 | 271,000 | 271,000 | 306,000 |
| Pretax income | -79,000 | -179,000 | -210,000 | -253,000 |
| Income tax | 0 | 0 | 0 | -58,000 |
| Net income | -79,000 | -179,000 | -210,000 | -195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,183,000 | 4,084,000 | 4,053,000 | 4,588,000 |
| Total capital | 4,723,000 | 4,589,000 | 4,546,000 | 5,047,000 |
| Risk-weighted assets | 42,789,000 | 39,984,000 | 39,097,000 | 36,462,000 |