Call reports 2005
FIRST NATIONAL COMMUNITY BANK — 2005
What FIRST NATIONAL 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 | 139,984,000 | 134,906,000 | 138,542,000 | 141,087,000 |
| Total loans | 82,874,000 | 81,472,000 | 85,455,000 | 87,908,000 |
| Allowance for loan losses | 1,797,000 | 1,873,000 | 1,761,000 | 1,115,000 |
| Securities available for sale | 11,721,000 | 12,342,000 | 12,794,000 | 12,729,000 |
| Securities held to maturity | 24,588,000 | 23,560,000 | 22,389,000 | 22,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,535,000 | 114,379,000 | 117,675,000 | 120,726,000 |
| Interest-bearing deposits | 98,016,000 | 92,664,000 | 94,086,000 | 95,504,000 |
| Noninterest-bearing deposits | 20,519,000 | 21,715,000 | 23,589,000 | 25,222,000 |
| Equity capital | 13,219,000 | 13,570,000 | 13,815,000 | 13,349,000 |
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 | 1,816,000 | 3,607,000 | 5,475,000 | 7,406,000 |
| Interest expense | 486,000 | 977,000 | 1,547,000 | 2,190,000 |
| Net interest income | 1,330,000 | 2,630,000 | 3,928,000 | 5,216,000 |
| Noninterest income | 303,000 | 674,000 | 1,004,000 | 1,333,000 |
| Noninterest expense | 1,282,000 | 2,591,000 | 3,889,000 | 5,254,000 |
| Provision for loan losses | 45,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 306,000 | 623,000 | 956,000 | 1,208,000 |
| Income tax | 60,000 | 103,000 | 161,000 | 238,000 |
| Net income | 246,000 | 520,000 | 795,000 | 970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,386,000 | 13,660,000 | 13,944,000 | 13,510,000 |
| Total capital | 14,514,000 | 14,789,000 | 15,158,000 | 14,625,000 |
| Risk-weighted assets | 89,597,000 | 89,465,000 | 96,589,000 | 96,527,000 |
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