Call reports 2007
FIRST NATIONAL COMMUNITY BANK — 2007
What FIRST NATIONAL COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 153,433,000 | 155,667,000 | 155,400,000 | 156,640,000 |
| Total loans | 94,563,000 | 100,965,000 | 97,266,000 | 102,783,000 |
| Allowance for loan losses | 1,269,000 | 1,202,000 | 885,000 | 1,169,000 |
| Securities available for sale | 14,951,000 | 14,823,000 | 18,023,000 | 16,165,000 |
| Securities held to maturity | 21,961,000 | 21,461,000 | 21,346,000 | 18,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,970,000 | 133,946,000 | 133,376,000 | 134,820,000 |
| Interest-bearing deposits | 109,807,000 | 111,504,000 | 109,052,000 | 113,727,000 |
| Noninterest-bearing deposits | 22,163,000 | 22,442,000 | 24,324,000 | 21,093,000 |
| Equity capital | 14,168,000 | 14,390,000 | 14,752,000 | 14,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,437,000 | 5,074,000 | 7,667,000 | 10,301,000 |
| Interest expense | 1,110,000 | 2,286,000 | 3,475,000 | 4,646,000 |
| Net interest income | 1,327,000 | 2,788,000 | 4,192,000 | 5,655,000 |
| Noninterest income | 348,000 | 749,000 | 1,178,000 | 1,886,000 |
| Noninterest expense | 1,312,000 | 2,746,000 | 4,203,000 | 5,740,000 |
| Provision for loan losses | 45,000 | 90,000 | 165,000 | 475,000 |
| Pretax income | 320,000 | 703,000 | 1,007,000 | 1,331,000 |
| Income tax | 79,000 | 156,000 | 230,000 | 315,000 |
| Net income | 241,000 | 547,000 | 777,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,201,000 | 14,507,000 | 14,737,000 | 14,475,000 |
| Total capital | 15,470,000 | 15,709,000 | 15,622,000 | 15,644,000 |
| Risk-weighted assets | 102,190,000 | 109,928,000 | 107,532,000 | 107,078,000 |
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