Call reports 2004
1ST NATIONAL COMMUNITY BANK — 2004
What 1ST NATIONAL 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 | 92,668,000 | 93,235,000 | 85,208,000 | 89,412,000 |
| Total loans | 45,488,000 | 45,710,000 | 44,445,000 | 44,493,000 |
| Allowance for loan losses | 530,000 | 545,000 | 506,000 | 501,000 |
| Securities available for sale | 32,894,000 | 30,210,000 | 28,174,000 | 31,738,000 |
| Securities held to maturity | 1,126,000 | 1,126,000 | 1,126,000 | 982,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,923,000 | 76,456,000 | 67,122,000 | 72,395,000 |
| Interest-bearing deposits | 60,120,000 | 62,378,000 | 54,327,000 | 57,420,000 |
| Noninterest-bearing deposits | 12,803,000 | 14,078,000 | 12,795,000 | 14,975,000 |
| Equity capital | 8,971,000 | 8,353,000 | 8,238,000 | 8,348,000 |
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 | 1,162,000 | 2,304,000 | 3,436,000 | 4,566,000 |
| Interest expense | 272,000 | 527,000 | 747,000 | 988,000 |
| Net interest income | 890,000 | 1,777,000 | 2,689,000 | 3,578,000 |
| Noninterest income | 253,000 | 535,000 | 900,000 | 1,262,000 |
| Noninterest expense | 892,000 | 1,780,000 | 2,733,000 | 3,737,000 |
| Provision for loan losses | 45,000 | 79,000 | 103,000 | 133,000 |
| Pretax income | 206,000 | 463,000 | 763,000 | 980,000 |
| Income tax | 36,000 | 85,000 | 161,000 | 214,000 |
| Net income | 170,000 | 378,000 | 602,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,607,000 | 8,654,000 | 8,133,000 | 8,298,000 |
| Total capital | 9,148,000 | 9,209,000 | 8,648,000 | 8,808,000 |
| Risk-weighted assets | 52,200,000 | 53,122,000 | 49,787,000 | 50,163,000 |
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