Call reports 2018
FIRST COMMUNITY BANK OF CULLMAN — 2018
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 97,072,000 | 109,194,000 | 109,586,000 | 116,975,000 |
| Total loans | 65,317,000 | 72,610,000 | 79,553,000 | 90,000,000 |
| Allowance for loan losses | 488,000 | 524,000 | 557,000 | 614,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,711,000 | 6,511,000 | 6,294,000 | 6,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,697,000 | 92,438,000 | 90,488,000 | 93,619,000 |
| Interest-bearing deposits | 70,492,000 | 79,692,000 | 78,603,000 | 81,908,000 |
| Noninterest-bearing deposits | 9,205,000 | 12,746,000 | 11,885,000 | 11,711,000 |
| Equity capital | 9,249,000 | 9,330,000 | 9,440,000 | 9,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 775,000 | 1,699,000 | 2,731,000 | 3,893,000 |
| Interest expense | 108,000 | 289,000 | 518,000 | 758,000 |
| Net interest income | 667,000 | 1,410,000 | 2,213,000 | 3,135,000 |
| Noninterest income | 149,000 | 295,000 | 427,000 | 511,000 |
| Noninterest expense | 703,000 | 1,457,000 | 2,228,000 | 2,973,000 |
| Provision for loan losses | 59,000 | 86,000 | 121,000 | 180,000 |
| Pretax income | 54,000 | 162,000 | 291,000 | 493,000 |
| Income tax | 13,000 | 38,000 | 54,000 | 92,000 |
| Net income | 41,000 | 124,000 | 237,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,249,000 | 9,330,000 | 9,440,000 | 9,608,000 |
| Total capital | 9,737,000 | 9,854,000 | 9,997,000 | 10,222,000 |
| Risk-weighted assets | 60,734,000 | 68,071,000 | 74,682,000 | 83,404,000 |