Call reports 2013
FIRST COMMUNITY BANK OF CULLMAN — 2013
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 65,980,000 | 64,514,000 | 65,356,000 | 67,759,000 |
| Total loans | 43,561,000 | 45,027,000 | 46,451,000 | 47,140,000 |
| Allowance for loan losses | 408,000 | 405,000 | 403,000 | 401,000 |
| Securities available for sale | 3,117,000 | 2,803,000 | 2,616,000 | 2,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,742,000 | 55,907,000 | 54,767,000 | 57,532,000 |
| Interest-bearing deposits | 48,271,000 | 46,683,000 | 46,566,000 | 50,789,000 |
| Noninterest-bearing deposits | 9,471,000 | 9,224,000 | 8,201,000 | 6,743,000 |
| Equity capital | 7,634,000 | 7,824,000 | 7,928,000 | 7,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,146,000 | 1,719,000 | 2,297,000 |
| Interest expense | 53,000 | 102,000 | 150,000 | 197,000 |
| Net interest income | 526,000 | 1,044,000 | 1,569,000 | 2,100,000 |
| Noninterest income | 98,000 | 252,000 | 357,000 | 445,000 |
| Noninterest expense | 454,000 | 795,000 | 1,315,000 | 1,955,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 168,000 | 498,000 | 606,000 | 584,000 |
| Income tax | 44,000 | 105,000 | 120,000 | 145,000 |
| Net income | 124,000 | 393,000 | 486,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,582,000 | 7,814,000 | 7,906,000 | 7,835,000 |
| Total capital | 7,990,000 | 8,219,000 | 8,309,000 | 8,236,000 |
| Risk-weighted assets | 35,154,000 | 36,647,000 | 37,659,000 | 38,218,000 |