Call reports 2017
FIRST COMMUNITY BANK OF CULLMAN — 2017
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 77,484,000 | 78,431,000 | 83,355,000 | 87,440,000 |
| Total loans | 48,810,000 | 49,594,000 | 51,934,000 | 58,088,000 |
| Allowance for loan losses | 399,000 | 417,000 | 429,000 | 444,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,540,000 | 8,348,000 | 8,083,000 | 6,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,265,000 | 64,970,000 | 69,493,000 | 73,504,000 |
| Interest-bearing deposits | 55,317,000 | 55,477,000 | 59,723,000 | 63,660,000 |
| Noninterest-bearing deposits | 8,948,000 | 9,493,000 | 9,771,000 | 9,844,000 |
| Equity capital | 8,848,000 | 8,976,000 | 9,056,000 | 9,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 616,000 | 1,239,000 | 1,888,000 | 2,595,000 |
| Interest expense | 60,000 | 120,000 | 183,000 | 268,000 |
| Net interest income | 556,000 | 1,119,000 | 1,705,000 | 2,327,000 |
| Noninterest income | 100,000 | 223,000 | 326,000 | 456,000 |
| Noninterest expense | 467,000 | 935,000 | 1,502,000 | 2,166,000 |
| Provision for loan losses | 24,000 | 45,000 | 60,000 | 76,000 |
| Pretax income | 165,000 | 362,000 | 469,000 | 541,000 |
| Income tax | 57,000 | 126,000 | 150,000 | 95,000 |
| Net income | 108,000 | 236,000 | 319,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,848,000 | 8,976,000 | 9,056,000 | 9,194,000 |
| Total capital | 9,247,000 | 9,393,000 | 9,485,000 | 9,638,000 |
| Risk-weighted assets | 46,141,000 | 46,907,000 | 49,175,000 | 54,942,000 |