Call reports 2005
FNB COMMUNITY BANK — 2005
What FNB 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 | 299,276,000 | 303,055,000 | 301,210,000 | 299,454,000 |
| Total loans | 138,292,000 | 141,594,000 | 140,084,000 | 144,071,000 |
| Allowance for loan losses | 2,113,000 | 2,094,000 | 2,087,000 | 1,830,000 |
| Securities available for sale | 129,305,000 | 130,958,000 | 130,133,000 | 126,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,594,000 | 263,340,000 | 260,703,000 | 260,339,000 |
| Interest-bearing deposits | 205,307,000 | 205,109,000 | 196,641,000 | 198,564,000 |
| Noninterest-bearing deposits | 54,287,000 | 58,231,000 | 64,062,000 | 61,775,000 |
| Equity capital | 30,313,000 | 29,499,000 | 29,510,000 | 29,028,000 |
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 | 3,576,000 | 7,286,000 | 11,023,000 | 14,806,000 |
| Interest expense | 1,010,000 | 2,156,000 | 3,423,000 | 4,790,000 |
| Net interest income | 2,566,000 | 5,130,000 | 7,600,000 | 10,016,000 |
| Noninterest income | 1,224,000 | 2,565,000 | 3,922,000 | 5,215,000 |
| Noninterest expense | 2,565,000 | 5,174,000 | 7,713,000 | 10,497,000 |
| Provision for loan losses | 0 | 0 | 0 | -224,000 |
| Pretax income | 1,256,000 | 2,552,000 | 3,840,000 | 5,011,000 |
| Income tax | -1,000 | -1,000 | -1,000 | -1,000 |
| Net income | 1,257,000 | 2,553,000 | 3,841,000 | 5,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,992,000 | 28,688,000 | 29,376,000 | 29,998,000 |
| Total capital | 32,105,000 | 30,782,000 | 31,463,000 | 31,828,000 |
| Risk-weighted assets | 172,667,000 | 176,469,000 | 173,174,000 | 176,750,000 |
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