Call reports 2003
FIRST NATIONAL COMMUNITY BANK — 2003
What FIRST NATIONAL COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 100,374,000 | 106,072,000 | 104,040,000 | 107,790,000 |
| Total loans | 68,489,000 | 67,992,000 | 65,248,000 | 68,848,000 |
| Allowance for loan losses | 549,000 | 591,000 | 607,000 | 606,000 |
| Securities available for sale | 16,594,000 | 17,470,000 | 22,137,000 | 23,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,619,000 | 96,118,000 | 94,442,000 | 98,091,000 |
| Interest-bearing deposits | 76,183,000 | 78,579,000 | 78,020,000 | 79,948,000 |
| Noninterest-bearing deposits | 14,436,000 | 17,539,000 | 16,422,000 | 18,143,000 |
| Equity capital | 8,403,000 | 8,500,000 | 8,131,000 | 8,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,503,000 | 3,044,000 | 4,536,000 | 5,971,000 |
| Interest expense | 480,000 | 932,000 | 1,345,000 | 1,733,000 |
| Net interest income | 1,023,000 | 2,112,000 | 3,191,000 | 4,238,000 |
| Noninterest income | 605,000 | 1,405,000 | 1,955,000 | 2,113,000 |
| Noninterest expense | 991,000 | 2,163,000 | 3,380,000 | 4,358,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 607,000 | 1,294,000 | 1,676,000 | 1,873,000 |
| Income tax | -2,000 | -2,000 | 0 | 0 |
| Net income | 609,000 | 1,296,000 | 1,676,000 | 1,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,945,000 | 8,022,000 | 8,024,000 | 7,920,000 |
| Total capital | 8,494,000 | 8,613,000 | 8,631,000 | 8,526,000 |
| Risk-weighted assets | 73,034,000 | 73,324,000 | 76,990,000 | 80,686,000 |