Call reports 2009
1ST NATIONAL COMMUNITY BANK — 2009
What 1ST NATIONAL COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 129,197,000 | 123,702,000 | 123,301,000 | 118,085,000 |
| Total loans | 63,548,000 | 65,380,000 | 67,563,000 | 65,196,000 |
| Allowance for loan losses | 1,064,000 | 1,173,000 | 1,234,000 | 1,049,000 |
| Securities available for sale | 32,765,000 | 32,437,000 | 31,308,000 | 26,223,000 |
| Securities held to maturity | 6,027,000 | 8,476,000 | 8,291,000 | 7,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,116,000 | 99,428,000 | 99,194,000 | 95,729,000 |
| Interest-bearing deposits | 83,861,000 | 80,963,000 | 78,094,000 | 72,120,000 |
| Noninterest-bearing deposits | 20,255,000 | 18,465,000 | 21,100,000 | 23,609,000 |
| Equity capital | 10,147,000 | 10,355,000 | 11,023,000 | 10,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,441,000 | 2,887,000 | 4,343,000 | 5,755,000 |
| Interest expense | 441,000 | 799,000 | 1,129,000 | 1,434,000 |
| Net interest income | 1,000,000 | 2,088,000 | 3,214,000 | 4,321,000 |
| Noninterest income | 407,000 | 835,000 | 1,329,000 | 1,807,000 |
| Noninterest expense | 1,317,000 | 2,512,000 | 3,840,000 | 5,026,000 |
| Provision for loan losses | 419,000 | 587,000 | 718,000 | 1,106,000 |
| Pretax income | -321,000 | -166,000 | -5,000 | 64,000 |
| Income tax | -132,000 | -142,000 | -142,000 | -171,000 |
| Net income | -189,000 | -24,000 | 137,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,987,000 | 10,389,000 | 10,552,000 | 10,649,000 |
| Total capital | 10,868,000 | 11,271,000 | 11,478,000 | 11,497,000 |
| Risk-weighted assets | 69,765,000 | 70,298,000 | 74,083,000 | 68,212,000 |