Call reports 2002
FNB COMMUNITY BANK — 2002
What FNB COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 300,826,000 | 293,111,000 | 288,116,000 | 286,604,000 |
| Total loans | 128,505,000 | 135,292,000 | 135,241,000 | 132,792,000 |
| Allowance for loan losses | 1,994,000 | 2,074,000 | 2,305,000 | 2,332,000 |
| Securities available for sale | 141,930,000 | 133,838,000 | 127,231,000 | 118,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,338,000 | 245,937,000 | 241,074,000 | 243,476,000 |
| Interest-bearing deposits | 208,158,000 | 197,054,000 | 187,345,000 | 193,292,000 |
| Noninterest-bearing deposits | 48,180,000 | 48,883,000 | 53,729,000 | 50,184,000 |
| Equity capital | 32,861,000 | 35,545,000 | 30,521,000 | 28,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,360,000 | 8,738,000 | 12,782,000 | 16,625,000 |
| Interest expense | 1,189,000 | 2,316,000 | 3,375,000 | 4,390,000 |
| Net interest income | 3,171,000 | 6,422,000 | 9,407,000 | 12,235,000 |
| Noninterest income | 1,309,000 | 2,603,000 | 4,065,000 | 5,474,000 |
| Noninterest expense | 2,696,000 | 5,599,000 | 8,113,000 | 10,799,000 |
| Provision for loan losses | 300,000 | 390,000 | 715,000 | 840,000 |
| Pretax income | 1,483,000 | 3,092,000 | 4,700,000 | 6,126,000 |
| Income tax | 450,000 | 975,000 | 1,500,000 | 1,850,000 |
| Net income | 1,033,000 | 2,117,000 | 3,200,000 | 4,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,979,000 | 33,063,000 | 26,887,000 | 25,323,000 |
| Total capital | 33,973,000 | 35,126,000 | 28,927,000 | 27,354,000 |
| Risk-weighted assets | 160,516,000 | 165,040,000 | 162,958,000 | 162,203,000 |
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