Call reports 2009
FNB COMMUNITY BANK — 2009
What FNB COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 388,358,000 | 397,671,000 | 378,465,000 | 396,641,000 |
| Total loans | 170,315,000 | 170,946,000 | 168,952,000 | 169,896,000 |
| Allowance for loan losses | 2,260,000 | 1,826,000 | 1,907,000 | 2,008,000 |
| Securities available for sale | 175,436,000 | 185,449,000 | 177,506,000 | 183,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,938,000 | 337,000,000 | 316,638,000 | 336,723,000 |
| Interest-bearing deposits | 264,816,000 | 271,933,000 | 249,863,000 | 273,606,000 |
| Noninterest-bearing deposits | 63,122,000 | 65,067,000 | 66,775,000 | 63,117,000 |
| Equity capital | 39,874,000 | 39,963,000 | 44,166,000 | 44,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,628,000 | 9,405,000 | 14,083,000 | 18,731,000 |
| Interest expense | 1,162,000 | 2,371,000 | 3,560,000 | 4,725,000 |
| Net interest income | 3,466,000 | 7,034,000 | 10,523,000 | 14,006,000 |
| Noninterest income | 882,000 | 1,846,000 | 2,768,000 | 3,658,000 |
| Noninterest expense | 2,975,000 | 6,030,000 | 9,001,000 | 11,882,000 |
| Provision for loan losses | 100,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 1,273,000 | 2,602,000 | 3,961,000 | 5,303,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,273,000 | 2,602,000 | 3,961,000 | 5,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,187,000 | 37,731,000 | 38,675,000 | 39,492,000 |
| Total capital | 39,447,000 | 39,557,000 | 40,582,000 | 41,500,000 |
| Risk-weighted assets | 216,139,000 | 217,011,000 | 210,358,000 | 215,020,000 |