Call reports 2008
FNB COMMUNITY BANK — 2008
What FNB COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 352,657,000 | 351,745,000 | 355,889,000 | 358,850,000 |
| Total loans | 141,881,000 | 153,478,000 | 156,828,000 | 162,121,000 |
| Allowance for loan losses | 1,540,000 | 1,508,000 | 1,642,000 | 2,840,000 |
| Securities available for sale | 169,339,000 | 168,825,000 | 166,341,000 | 168,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,771,000 | 304,878,000 | 303,046,000 | 305,342,000 |
| Interest-bearing deposits | 242,130,000 | 242,256,000 | 241,484,000 | 243,552,000 |
| Noninterest-bearing deposits | 61,641,000 | 62,622,000 | 61,562,000 | 61,790,000 |
| Equity capital | 37,724,000 | 34,344,000 | 37,341,000 | 38,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,737,000 | 9,402,000 | 14,068,000 | 18,717,000 |
| Interest expense | 1,881,000 | 3,438,000 | 4,961,000 | 6,313,000 |
| Net interest income | 2,856,000 | 5,964,000 | 9,107,000 | 12,404,000 |
| Noninterest income | 1,109,000 | 2,253,000 | 3,309,000 | 4,162,000 |
| Noninterest expense | 2,822,000 | 5,829,000 | 8,589,000 | 11,266,000 |
| Provision for loan losses | 0 | 0 | 175,000 | 2,025,000 |
| Pretax income | 1,143,000 | 2,388,000 | 3,652,000 | 3,363,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,143,000 | 2,388,000 | 3,652,000 | 3,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,644,000 | 36,089,000 | 36,828,000 | 35,914,000 |
| Total capital | 37,183,000 | 37,597,000 | 38,470,000 | 38,458,000 |
| Risk-weighted assets | 186,248,000 | 196,799,000 | 198,984,000 | 203,185,000 |