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 | 154,008,000 | 157,194,000 | 158,241,000 | 165,631,000 |
| Total loans | 100,912,000 | 108,205,000 | 107,635,000 | 97,902,000 |
| Allowance for loan losses | 1,313,000 | 1,341,000 | 1,350,000 | 1,265,000 |
| Securities available for sale | 30,351,000 | 32,031,000 | 30,979,000 | 37,315,000 |
| Securities held to maturity | 3,728,000 | 3,724,000 | 3,724,000 | 3,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,155,000 | 127,210,000 | 127,404,000 | 138,841,000 |
| Interest-bearing deposits | 106,375,000 | 104,060,000 | 102,498,000 | 112,464,000 |
| Noninterest-bearing deposits | 22,780,000 | 23,150,000 | 24,906,000 | 26,377,000 |
| Equity capital | 13,472,000 | 13,829,000 | 13,789,000 | 13,867,000 |
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 | 2,148,000 | 4,413,000 | 6,857,000 | 9,295,000 |
| Interest expense | 524,000 | 1,096,000 | 1,776,000 | 2,500,000 |
| Net interest income | 1,624,000 | 3,317,000 | 5,081,000 | 6,795,000 |
| Noninterest income | 351,000 | 567,000 | 783,000 | 995,000 |
| Noninterest expense | 1,188,000 | 2,366,000 | 3,647,000 | 4,871,000 |
| Provision for loan losses | 80,000 | 110,000 | 130,000 | 129,000 |
| Pretax income | 707,000 | 1,408,000 | 2,087,000 | 2,790,000 |
| Income tax | 237,000 | 460,000 | 694,000 | 868,000 |
| Net income | 470,000 | 948,000 | 1,393,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,927,000 | 13,063,000 | 13,169,000 | 13,355,000 |
| Total capital | 14,240,000 | 14,404,000 | 14,519,000 | 14,620,000 |
| Risk-weighted assets | 110,330,000 | 117,108,000 | 116,347,000 | 107,752,000 |