Call reports 2003
1ST NATIONAL COMMUNITY BANK — 2003
What 1ST NATIONAL COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 88,806,000 | 89,842,000 | 89,875,000 | 88,881,000 |
| Total loans | 45,312,000 | 44,606,000 | 44,509,000 | 45,231,000 |
| Allowance for loan losses | 517,000 | 533,000 | 517,000 | 514,000 |
| Securities available for sale | 23,044,000 | 25,765,000 | 32,389,000 | 30,718,000 |
| Securities held to maturity | 1,307,000 | 1,307,000 | 1,307,000 | 1,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,950,000 | 74,605,000 | 74,346,000 | 71,508,000 |
| Interest-bearing deposits | 57,247,000 | 58,158,000 | 58,960,000 | 56,277,000 |
| Noninterest-bearing deposits | 13,703,000 | 16,447,000 | 15,386,000 | 15,231,000 |
| Equity capital | 8,804,000 | 8,743,000 | 8,553,000 | 8,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,142,000 | 2,303,000 | 3,459,000 | 4,645,000 |
| Interest expense | 291,000 | 588,000 | 865,000 | 1,136,000 |
| Net interest income | 851,000 | 1,715,000 | 2,594,000 | 3,509,000 |
| Noninterest income | 216,000 | 467,000 | 705,000 | 949,000 |
| Noninterest expense | 860,000 | 1,736,000 | 2,622,000 | 3,612,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 76,000 |
| Pretax income | 177,000 | 386,000 | 655,000 | 838,000 |
| Income tax | 27,000 | 56,000 | 101,000 | 132,000 |
| Net income | 150,000 | 330,000 | 554,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,310,000 | 8,180,000 | 8,340,000 | 8,433,000 |
| Total capital | 8,827,000 | 8,713,000 | 8,857,000 | 8,962,000 |
| Risk-weighted assets | 50,592,000 | 51,770,000 | 51,005,000 | 51,425,000 |
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