Call reports 2021
FIRST COMMUNITY BANK OF CULLMAN — 2021
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 125,309,000 | 124,769,000 | 124,863,000 | 123,518,000 |
| Total loans | 94,329,000 | 90,355,000 | 87,387,000 | 93,313,000 |
| Allowance for loan losses | 1,567,000 | 1,566,000 | 1,568,000 | 1,566,000 |
| Securities available for sale | 1,156,000 | 1,066,000 | 942,000 | 868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,437,000 | 102,627,000 | 102,472,000 | 100,850,000 |
| Interest-bearing deposits | 84,103,000 | 85,651,000 | 85,033,000 | 82,177,000 |
| Noninterest-bearing deposits | 16,334,000 | 16,976,000 | 17,439,000 | 18,673,000 |
| Equity capital | 11,584,000 | 11,832,000 | 12,083,000 | 12,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,123,000 | 2,306,000 | 3,497,000 | 4,667,000 |
| Interest expense | 275,000 | 525,000 | 755,000 | 924,000 |
| Net interest income | 848,000 | 1,781,000 | 2,742,000 | 3,743,000 |
| Noninterest income | 252,000 | 511,000 | 722,000 | 1,001,000 |
| Noninterest expense | 844,000 | 1,709,000 | 2,553,000 | 3,352,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 11,000 |
| Pretax income | 253,000 | 577,000 | 902,000 | 1,381,000 |
| Income tax | 61,000 | 137,000 | 214,000 | 319,000 |
| Net income | 192,000 | 440,000 | 688,000 | 1,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,571,000 | 11,819,000 | 12,067,000 | 12,455,000 |