Call reports 2004
FIRST COMMUNITY BANK — 2004
What FIRST COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 44,482,000 | 48,280,000 | 47,685,000 | 53,259,000 |
| Total loans | 37,140,000 | 40,434,000 | 41,639,000 | 47,642,000 |
| Allowance for loan losses | 525,000 | 556,000 | 582,000 | 654,000 |
| Securities available for sale | 5,028,000 | 4,955,000 | 2,976,000 | 2,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,070,000 | 39,774,000 | 41,680,000 | 44,384,000 |
| Interest-bearing deposits | 34,034,000 | 35,734,000 | 36,998,000 | 40,319,000 |
| Noninterest-bearing deposits | 4,036,000 | 4,040,000 | 4,682,000 | 4,065,000 |
| Equity capital | 3,994,000 | 4,060,000 | 4,197,000 | 4,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 735,000 | 1,528,000 | 2,320,000 | 3,215,000 |
| Interest expense | 214,000 | 433,000 | 663,000 | 909,000 |
| Net interest income | 521,000 | 1,095,000 | 1,657,000 | 2,306,000 |
| Noninterest income | 58,000 | 114,000 | 172,000 | 232,000 |
| Noninterest expense | 390,000 | 815,000 | 1,265,000 | 1,789,000 |
| Provision for loan losses | 29,000 | 59,000 | 84,000 | 154,000 |
| Pretax income | 160,000 | 335,000 | 480,000 | 595,000 |
| Income tax | 32,000 | 68,000 | 97,000 | 119,000 |
| Net income | 128,000 | 267,000 | 383,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,961,000 | 4,100,000 | 4,216,000 | 4,319,000 |
| Total capital | 4,369,000 | 4,542,000 | 4,681,000 | 4,862,000 |
| Risk-weighted assets | 32,521,000 | 35,251,000 | 36,310,000 | 42,598,000 |