Call reports 2011
FIRST COMMUNITY BANK OF CULLMAN — 2011
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Total assets | 68,725,000 | 68,388,000 |
| Total loans | 41,747,000 | 41,518,000 |
| Allowance for loan losses | 258,000 | 335,000 |
| Securities available for sale | 3,242,000 | 2,561,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 60,896,000 | 60,111,000 |
| Interest-bearing deposits | 53,180,000 | 52,134,000 |
| Noninterest-bearing deposits | 7,716,000 | 7,978,000 |
| Equity capital | 7,113,000 | 7,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Interest income | 2,043,000 | 2,689,000 |
| Interest expense | 477,000 | 608,000 |
| Net interest income | 1,566,000 | 2,081,000 |
| Noninterest income | 258,000 | 413,000 |
| Noninterest expense | 1,622,000 | 2,219,000 |
| Provision for loan losses | 12,000 | 89,000 |
| Pretax income | 190,000 | 105,000 |
| Income tax | 28,000 | -26,000 |
| Net income | 162,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Tier 1 capital | 7,059,000 | 7,072,000 |
| Total capital | 7,317,000 | 7,407,000 |
| Risk-weighted assets | 34,791,000 | 35,098,000 |