Call reports 2003
FNB COMMUNITY BANK — 2003
What FNB 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 | 298,693,000 | 306,237,000 | 289,697,000 | 284,568,000 |
| Total loans | 134,036,000 | 134,021,000 | 134,539,000 | 137,272,000 |
| Allowance for loan losses | 2,368,000 | 2,502,000 | 2,397,000 | 2,327,000 |
| Securities available for sale | 129,028,000 | 126,981,000 | 131,018,000 | 124,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,919,000 | 261,940,000 | 246,169,000 | 238,926,000 |
| Interest-bearing deposits | 198,957,000 | 208,854,000 | 193,834,000 | 185,319,000 |
| Noninterest-bearing deposits | 55,962,000 | 53,086,000 | 52,335,000 | 53,607,000 |
| Equity capital | 30,983,000 | 31,556,000 | 30,618,000 | 31,489,000 |
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 | 3,583,000 | 7,097,000 | 10,478,000 | 13,870,000 |
| Interest expense | 962,000 | 1,906,000 | 2,799,000 | 3,631,000 |
| Net interest income | 2,621,000 | 5,191,000 | 7,679,000 | 10,239,000 |
| Noninterest income | 1,276,000 | 2,758,000 | 4,225,000 | 5,677,000 |
| Noninterest expense | 2,587,000 | 5,290,000 | 7,975,000 | 10,640,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 350,000 |
| Pretax income | 1,160,000 | 2,359,000 | 3,629,000 | 4,926,000 |
| Income tax | 0 | 0 | 0 | -50,000 |
| Net income | 1,160,000 | 2,359,000 | 3,629,000 | 4,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,961,000 | 26,710,000 | 27,479,000 | 28,126,000 |
| Total capital | 28,035,000 | 28,806,000 | 29,519,000 | 30,179,000 |
| Risk-weighted assets | 165,641,000 | 167,312,000 | 162,854,000 | 163,984,000 |
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