Call reports 2023
FIRST COMMUNITY BANK OF CULLMAN — 2023
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 111,512,000 | 112,953,000 | 110,592,000 | 109,505,000 |
| Total loans | 92,163,000 | 90,904,000 | 88,396,000 | 84,803,000 |
| Allowance for loan losses | 1,447,000 | 1,446,000 | 1,442,000 | 1,439,000 |
| Securities available for sale | 8,085,000 | 8,005,000 | 5,435,000 | 5,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,526,000 | 82,938,000 | 81,221,000 | 82,083,000 |
| Interest-bearing deposits | 73,961,000 | 66,982,000 | 65,773,000 | 65,810,000 |
| Noninterest-bearing deposits | 16,565,000 | 15,956,000 | 15,448,000 | 16,273,000 |
| Equity capital | 12,758,000 | 12,911,000 | 13,006,000 | 13,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,325,000 | 2,691,000 | 4,092,000 | 5,509,000 |
| Interest expense | 308,000 | 723,000 | 1,222,000 | 1,776,000 |
| Net interest income | 1,017,000 | 1,968,000 | 2,870,000 | 3,733,000 |
| Noninterest income | 104,000 | 241,000 | 320,000 | 385,000 |
| Noninterest expense | 847,000 | 1,691,000 | 2,517,000 | 3,346,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 274,000 | 518,000 | 673,000 | 772,000 |
| Income tax | 66,000 | 124,000 | 161,000 | 172,000 |
| Net income | 208,000 | 394,000 | 512,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,892,000 | 13,078,000 | 13,196,000 | 13,338,000 |