Call reports 2012
FIRST COMMUNITY BANK OF CULLMAN — 2012
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 66,948,000 | 67,009,000 | 66,163,000 | 66,521,000 |
| Total loans | 40,785,000 | 41,109,000 | 41,608,000 | 42,303,000 |
| Allowance for loan losses | 333,000 | 333,000 | 332,000 | 407,000 |
| Securities available for sale | 6,420,000 | 5,504,000 | 4,271,000 | 3,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,675,000 | 59,031,000 | 58,181,000 | 58,033,000 |
| Interest-bearing deposits | 50,798,000 | 50,227,000 | 48,848,000 | 48,334,000 |
| Noninterest-bearing deposits | 7,877,000 | 8,804,000 | 9,333,000 | 9,699,000 |
| Equity capital | 7,167,000 | 7,290,000 | 7,442,000 | 7,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 621,000 | 1,255,000 | 1,862,000 | 2,450,000 |
| Interest expense | 110,000 | 209,000 | 297,000 | 380,000 |
| Net interest income | 511,000 | 1,046,000 | 1,565,000 | 2,070,000 |
| Noninterest income | 79,000 | 164,000 | 255,000 | 738,000 |
| Noninterest expense | 510,000 | 995,000 | 1,449,000 | 2,340,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 81,000 |
| Pretax income | 79,000 | 212,000 | 366,000 | 387,000 |
| Income tax | 22,000 | 56,000 | 84,000 | 1,000 |
| Net income | 57,000 | 156,000 | 282,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,129,000 | 7,227,000 | 7,354,000 | 7,458,000 |
| Total capital | 7,462,000 | 7,560,000 | 7,686,000 | 7,865,000 |
| Risk-weighted assets | 34,827,000 | 34,545,000 | 34,927,000 | 35,810,000 |