Call reports 2015
FIRST COMMUNITY BANK OF CULLMAN — 2015
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 79,966,000 | 80,184,000 | 81,318,000 | 81,869,000 |
| Total loans | 46,550,000 | 47,774,000 | 47,514,000 | 48,071,000 |
| Allowance for loan losses | 368,000 | 281,000 | 289,000 | 309,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,961,000 | 7,285,000 | 6,126,000 | 8,078,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,061,000 | 68,393,000 | 69,472,000 | 69,675,000 |
| Interest-bearing deposits | 58,840,000 | 40,695,000 | 59,489,000 | 59,946,000 |
| Noninterest-bearing deposits | 9,221,000 | 27,698,000 | 9,983,000 | 9,729,000 |
| Equity capital | 8,300,000 | 8,381,000 | 8,429,000 | 8,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 586,000 | 1,166,000 | 1,762,000 | 2,358,000 |
| Interest expense | 56,000 | 114,000 | 174,000 | 234,000 |
| Net interest income | 530,000 | 1,052,000 | 1,588,000 | 2,124,000 |
| Noninterest income | 94,000 | 187,000 | 254,000 | 339,000 |
| Noninterest expense | 494,000 | 1,002,000 | 1,536,000 | 2,131,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 15,000 |
| Pretax income | 128,000 | 234,000 | 301,000 | 317,000 |
| Income tax | 30,000 | 52,000 | 68,000 | 146,000 |
| Net income | 98,000 | 182,000 | 233,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,256,000 | 8,381,000 | 8,429,000 | 8,364,000 |
| Total capital | 8,624,000 | 8,662,000 | 8,718,000 | 8,673,000 |
| Risk-weighted assets | 39,827,000 | 40,577,000 | 42,072,000 | 43,564,000 |