Call reports 2022
FIRST COMMUNITY BANK OF CULLMAN — 2022
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 123,013,000 | 116,869,000 | 117,081,000 | 121,198,000 |
| Total loans | 92,377,000 | 92,786,000 | 93,433,000 | 89,750,000 |
| Allowance for loan losses | 1,536,000 | 1,477,000 | 1,465,000 | 1,393,000 |
| Securities available for sale | 2,734,000 | 5,404,000 | 8,153,000 | 8,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,455,000 | 94,892,000 | 95,033,000 | 94,055,000 |
| Interest-bearing deposits | 81,086,000 | 77,098,000 | 76,087,000 | 76,561,000 |
| Noninterest-bearing deposits | 19,369,000 | 17,794,000 | 18,946,000 | 17,494,000 |
| Equity capital | 12,458,000 | 12,728,000 | 12,687,000 | 13,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,340,000 | 3,609,000 | 4,953,000 |
| Interest expense | 144,000 | 274,000 | 452,000 | 699,000 |
| Net interest income | 986,000 | 2,066,000 | 3,157,000 | 4,254,000 |
| Noninterest income | 204,000 | 391,000 | 533,000 | 694,000 |
| Noninterest expense | 935,000 | 1,757,000 | 2,601,000 | 3,447,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 255,000 | 700,000 | 1,089,000 | 1,501,000 |
| Income tax | 61,000 | 168,000 | 262,000 | 355,000 |
| Net income | 194,000 | 532,000 | 827,000 | 1,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,466,000 | 12,805,000 | 12,850,000 | 13,184,000 |