Call reports 2020
FIRST COMMUNITY BANK OF CULLMAN — 2020
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 132,675,000 | 126,738,000 | 129,310,000 | 123,329,000 |
| Total loans | 100,915,000 | 104,302,000 | 101,121,000 | 95,647,000 |
| Allowance for loan losses | 1,248,000 | 1,324,000 | 1,422,000 | 1,568,000 |
| Securities available for sale | 3,798,000 | 2,706,000 | 2,502,000 | 1,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,270,000 | 102,395,000 | 104,629,000 | 98,459,000 |
| Interest-bearing deposits | 88,413,000 | 89,285,000 | 91,521,000 | 83,642,000 |
| Noninterest-bearing deposits | 10,857,000 | 13,110,000 | 13,108,000 | 14,817,000 |
| Equity capital | 10,748,000 | 10,967,000 | 11,184,000 | 11,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,407,000 | 2,745,000 | 4,041,000 | 5,288,000 |
| Interest expense | 432,000 | 828,000 | 1,183,000 | 1,473,000 |
| Net interest income | 975,000 | 1,917,000 | 2,858,000 | 3,815,000 |
| Noninterest income | 193,000 | 374,000 | 615,000 | 812,000 |
| Noninterest expense | 801,000 | 1,603,000 | 2,313,000 | 3,099,000 |
| Provision for loan losses | 78,000 | 156,000 | 331,000 | 477,000 |
| Pretax income | 289,000 | 534,000 | 827,000 | 1,104,000 |
| Income tax | 69,000 | 130,000 | 205,000 | 241,000 |
| Net income | 220,000 | 404,000 | 622,000 | 863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,718,000 | 10,903,000 | 11,120,000 | 11,379,000 |
| Total capital | 11,890,000 | — | — | — |
| Risk-weighted assets | 93,724,000 | — | — | — |