Call reports 2004
FNB COMMUNITY BANK — 2004
What FNB 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 | 296,275,000 | 297,034,000 | 305,427,000 | 297,789,000 |
| Total loans | 141,017,000 | 138,812,000 | 141,019,000 | 141,820,000 |
| Allowance for loan losses | 2,203,000 | 2,292,000 | 2,229,000 | 2,109,000 |
| Securities available for sale | 124,752,000 | 123,959,000 | 126,702,000 | 126,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,967,000 | 254,131,000 | 258,850,000 | 251,504,000 |
| Interest-bearing deposits | 194,684,000 | 197,198,000 | 203,274,000 | 194,543,000 |
| Noninterest-bearing deposits | 56,283,000 | 56,933,000 | 55,576,000 | 56,961,000 |
| Equity capital | 31,237,000 | 28,724,000 | 31,444,000 | 31,541,000 |
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 | 3,385,000 | 6,776,000 | 10,241,000 | 13,784,000 |
| Interest expense | 814,000 | 1,648,000 | 2,530,000 | 3,448,000 |
| Net interest income | 2,571,000 | 5,128,000 | 7,711,000 | 10,336,000 |
| Noninterest income | 1,406,000 | 2,929,000 | 4,372,000 | 5,688,000 |
| Noninterest expense | 2,761,000 | 5,513,000 | 8,279,000 | 10,966,000 |
| Provision for loan losses | 0 | 75,000 | 75,000 | 150,000 |
| Pretax income | 1,216,000 | 2,469,000 | 3,729,000 | 4,908,000 |
| Income tax | -19,000 | -19,000 | -19,000 | -101,000 |
| Net income | 1,235,000 | 2,488,000 | 3,748,000 | 5,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,161,000 | 27,914,000 | 28,674,000 | 29,335,000 |
| Total capital | 29,291,000 | 30,047,000 | 30,859,000 | 31,444,000 |
| Risk-weighted assets | 169,532,000 | 170,490,000 | 174,808,000 | 174,433,000 |
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