Call reports 2005
FIRST COMMUNITY BANK — 2005
What FIRST COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 61,914,000 | 63,880,000 | 72,921,000 | 87,601,000 |
| Total loans | 51,091,000 | 55,108,000 | 59,488,000 | 64,679,000 |
| Allowance for loan losses | 703,000 | 743,000 | 784,000 | 841,000 |
| Securities available for sale | 2,935,000 | 2,958,000 | 2,954,000 | 2,951,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,210,000 | 55,913,000 | 64,720,000 | 76,591,000 |
| Interest-bearing deposits | 49,001,000 | 49,441,000 | 55,065,000 | 65,835,000 |
| Noninterest-bearing deposits | 5,209,000 | 6,472,000 | 9,655,000 | 10,756,000 |
| Equity capital | 4,366,000 | 4,511,000 | 4,575,000 | 6,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 979,000 | 2,103,000 | 3,285,000 | 4,713,000 |
| Interest expense | 306,000 | 682,000 | 1,096,000 | 1,639,000 |
| Net interest income | 673,000 | 1,421,000 | 2,189,000 | 3,074,000 |
| Noninterest income | 66,000 | 129,000 | 192,000 | 271,000 |
| Noninterest expense | 565,000 | 1,161,000 | 1,780,000 | 2,264,000 |
| Provision for loan losses | 47,000 | 87,000 | 128,000 | 185,000 |
| Pretax income | 127,000 | 302,000 | 473,000 | 896,000 |
| Income tax | 28,000 | 80,000 | 133,000 | 328,000 |
| Net income | 99,000 | 222,000 | 340,000 | 568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,428,000 | 4,550,000 | 4,619,000 | 6,246,000 |
| Total capital | 4,989,000 | 5,169,000 | 5,271,000 | 7,026,000 |
| Risk-weighted assets | 44,698,000 | 49,358,000 | 54,751,000 | 65,320,000 |