Call reports 2008
FIRST NATIONAL COMMUNITY BANK — 2008
What FIRST NATIONAL 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 | 156,810,000 | 152,678,000 | 153,904,000 | 150,670,000 |
| Total loans | 100,071,000 | 101,146,000 | 103,380,000 | 101,767,000 |
| Allowance for loan losses | 1,046,000 | 1,142,000 | 1,267,000 | 1,367,000 |
| Securities available for sale | 20,847,000 | 21,709,000 | 21,675,000 | 20,796,000 |
| Securities held to maturity | 12,350,000 | 12,249,000 | 12,148,000 | 12,649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,624,000 | 131,184,000 | 132,231,000 | 128,101,000 |
| Interest-bearing deposits | 114,057,000 | 109,005,000 | 111,958,000 | 110,707,000 |
| Noninterest-bearing deposits | 20,567,000 | 22,179,000 | 20,273,000 | 17,394,000 |
| Equity capital | 14,862,000 | 14,531,000 | 14,576,000 | 14,683,000 |
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 | 2,492,000 | 4,783,000 | 6,957,000 | 9,161,000 |
| Interest expense | 1,139,000 | 2,162,000 | 3,131,000 | 4,085,000 |
| Net interest income | 1,353,000 | 2,621,000 | 3,826,000 | 5,076,000 |
| Noninterest income | 495,000 | 1,030,000 | 1,427,000 | 1,854,000 |
| Noninterest expense | 1,466,000 | 3,068,000 | 4,452,000 | 5,912,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 620,000 |
| Pretax income | 340,000 | 391,000 | 459,000 | 507,000 |
| Income tax | 83,000 | 48,000 | 24,000 | -10,000 |
| Net income | 257,000 | 343,000 | 435,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,635,000 | 14,721,000 | 14,788,000 | 14,485,000 |
| Total capital | 15,681,000 | 15,863,000 | 16,055,000 | 15,820,000 |
| Risk-weighted assets | 104,181,000 | 104,928,000 | 106,225,000 | 109,968,000 |
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