Call reports 2019
FIRST COMMUNITY BANK OF CULLMAN — 2019
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 121,261,000 | 124,600,000 | 124,771,000 | 128,825,000 |
| Total loans | 93,565,000 | 99,330,000 | 102,159,000 | 103,747,000 |
| Allowance for loan losses | 686,000 | 763,000 | 1,111,000 | 1,184,000 |
| Securities available for sale | 0 | 0 | 0 | 4,460,000 |
| Securities held to maturity | 5,924,000 | 5,755,000 | 5,585,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,055,000 | 95,438,000 | 95,015,000 | 97,894,000 |
| Interest-bearing deposits | 79,977,000 | 84,750,000 | 84,563,000 | 86,783,000 |
| Noninterest-bearing deposits | 10,079,000 | 10,688,000 | 10,452,000 | 11,111,000 |
| Equity capital | 9,825,000 | 10,081,000 | 10,146,000 | 10,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,280,000 | 2,639,000 | 4,072,000 | 5,554,000 |
| Interest expense | 348,000 | 744,000 | 1,162,000 | 1,612,000 |
| Net interest income | 932,000 | 1,895,000 | 2,910,000 | 3,942,000 |
| Noninterest income | 183,000 | 399,000 | 593,000 | 760,000 |
| Noninterest expense | 749,000 | 1,511,000 | 2,233,000 | 2,970,000 |
| Provision for loan losses | 78,000 | 156,000 | 517,000 | 595,000 |
| Pretax income | 288,000 | 627,000 | 753,000 | 1,137,000 |
| Income tax | 69,000 | 151,000 | 210,000 | 244,000 |
| Net income | 219,000 | 476,000 | 543,000 | 893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,825,000 | 10,081,000 | 10,146,000 | 10,510,000 |
| Total capital | 10,511,000 | 10,844,000 | 11,257,000 | 11,690,000 |
| Risk-weighted assets | 88,013,000 | 92,923,000 | 94,461,000 | 94,380,000 |