Call reports 2005
1ST NATIONAL COMMUNITY BANK — 2005
What 1ST NATIONAL 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 | 101,115,000 | 98,962,000 | 90,713,000 | 92,518,000 |
| Total loans | 43,753,000 | 43,076,000 | 41,691,000 | 42,864,000 |
| Allowance for loan losses | 502,000 | 481,000 | 520,000 | 532,000 |
| Securities available for sale | 32,069,000 | 32,569,000 | 26,468,000 | 25,431,000 |
| Securities held to maturity | 6,962,000 | 10,584,000 | 10,336,000 | 9,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,496,000 | 77,437,000 | 74,258,000 | 75,758,000 |
| Interest-bearing deposits | 65,919,000 | 61,388,000 | 59,899,000 | 59,796,000 |
| Noninterest-bearing deposits | 14,577,000 | 16,049,000 | 14,359,000 | 15,962,000 |
| Equity capital | 8,148,000 | 8,527,000 | 8,437,000 | 7,999,000 |
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 | 1,171,000 | 2,421,000 | 3,688,000 | 4,920,000 |
| Interest expense | 296,000 | 638,000 | 991,000 | 1,345,000 |
| Net interest income | 875,000 | 1,783,000 | 2,697,000 | 3,575,000 |
| Noninterest income | 320,000 | 667,000 | 1,036,000 | 1,439,000 |
| Noninterest expense | 996,000 | 2,008,000 | 3,038,000 | 4,177,000 |
| Provision for loan losses | 50,000 | 107,000 | 179,000 | 230,000 |
| Pretax income | 149,000 | 335,000 | 532,000 | 624,000 |
| Income tax | 18,000 | 52,000 | 93,000 | 102,000 |
| Net income | 131,000 | 283,000 | 439,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,430,000 | 8,582,000 | 8,651,000 | 8,382,000 |
| Total capital | 8,944,000 | 9,079,000 | 9,190,000 | 8,948,000 |
| Risk-weighted assets | 52,190,000 | 51,409,000 | 49,067,000 | 50,257,000 |
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