Call reports 2004
FIRST NATIONAL COMMUNITY BANK — 2004
What FIRST NATIONAL COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 105,264,000 | 108,630,000 | 112,165,000 | 111,512,000 |
| Total loans | 71,441,000 | 77,493,000 | 82,101,000 | 84,674,000 |
| Allowance for loan losses | 635,000 | 687,000 | 714,000 | 738,000 |
| Securities available for sale | 19,730,000 | 18,273,000 | 16,014,000 | 14,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,394,000 | 97,153,000 | 99,834,000 | 99,831,000 |
| Interest-bearing deposits | 79,129,000 | 80,172,000 | 82,938,000 | 82,209,000 |
| Noninterest-bearing deposits | 16,265,000 | 16,981,000 | 16,896,000 | 17,622,000 |
| Equity capital | 8,627,000 | 8,050,000 | 8,844,000 | 9,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,410,000 | 3,055,000 | 4,545,000 | 6,113,000 |
| Interest expense | 384,000 | 764,000 | 1,164,000 | 1,581,000 |
| Net interest income | 1,026,000 | 2,291,000 | 3,381,000 | 4,532,000 |
| Noninterest income | 341,000 | 627,000 | 1,169,000 | 1,703,000 |
| Noninterest expense | 999,000 | 2,206,000 | 3,363,000 | 4,524,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 377,000 | 691,000 | 1,138,000 | 1,647,000 |
| Income tax | 1,000 | -6,000 | 57,000 | 64,000 |
| Net income | 376,000 | 697,000 | 1,081,000 | 1,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,296,000 | 8,292,000 | 8,741,000 | 9,144,000 |
| Total capital | 8,931,000 | 8,979,000 | 9,455,000 | 9,882,000 |
| Risk-weighted assets | 82,222,000 | 88,140,000 | 92,210,000 | 93,490,000 |