Call reports 2014
FIRST COMMUNITY BANK OF CULLMAN — 2014
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 69,994,000 | 74,293,000 | 74,375,000 | 76,835,000 |
| Total loans | 47,039,000 | 46,161,000 | 46,441,000 | 46,532,000 |
| Allowance for loan losses | 400,000 | 385,000 | 385,000 | 381,000 |
| Securities available for sale | 2,394,000 | 6,368,000 | 7,223,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 8,111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,703,000 | 62,782,000 | 62,873,000 | 64,671,000 |
| Interest-bearing deposits | 52,084,000 | 55,241,000 | 55,064,000 | 57,444,000 |
| Noninterest-bearing deposits | 7,619,000 | 7,541,000 | 7,809,000 | 7,227,000 |
| Equity capital | 7,920,000 | 8,000,000 | 8,091,000 | 8,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 578,000 | 1,153,000 | 1,732,000 | 2,316,000 |
| Interest expense | 49,000 | 103,000 | 158,000 | 214,000 |
| Net interest income | 529,000 | 1,050,000 | 1,574,000 | 2,102,000 |
| Noninterest income | 60,000 | 162,000 | 255,000 | 361,000 |
| Noninterest expense | 499,000 | 1,017,000 | 1,517,000 | 2,123,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 88,000 | 192,000 | 307,000 | 334,000 |
| Income tax | 18,000 | 43,000 | 67,000 | 12,000 |
| Net income | 70,000 | 149,000 | 240,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,898,000 | 7,984,000 | 8,076,000 | 8,158,000 |
| Total capital | 8,298,000 | 8,369,000 | 8,461,000 | 8,539,000 |
| Risk-weighted assets | 38,233,000 | 38,889,000 | 39,474,000 | 39,771,000 |