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 | 112,328,000 | 116,468,000 | 118,114,000 | 127,926,000 |
| Total loans | 85,189,000 | 88,511,000 | 88,847,000 | 86,311,000 |
| Allowance for loan losses | 757,000 | 695,000 | 708,000 | 677,000 |
| Securities available for sale | 13,827,000 | 13,463,000 | 12,163,000 | 16,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,935,000 | 101,917,000 | 105,328,000 | 113,468,000 |
| Interest-bearing deposits | 81,900,000 | 82,276,000 | 89,244,000 | 92,326,000 |
| Noninterest-bearing deposits | 16,035,000 | 19,641,000 | 16,084,000 | 21,142,000 |
| Equity capital | 9,170,000 | 9,135,000 | 9,216,000 | 10,821,000 |
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 | 1,612,000 | 3,322,000 | 5,140,000 | 7,076,000 |
| Interest expense | 444,000 | 952,000 | 1,534,000 | 2,230,000 |
| Net interest income | 1,168,000 | 2,370,000 | 3,606,000 | 4,846,000 |
| Noninterest income | 300,000 | 583,000 | 870,000 | 1,118,000 |
| Noninterest expense | 1,044,000 | 2,218,000 | 3,376,000 | 4,533,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 394,000 | 675,000 | 1,010,000 | 1,311,000 |
| Income tax | 3,000 | 5,000 | 6,000 | 8,000 |
| Net income | 391,000 | 670,000 | 1,004,000 | 1,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,234,000 | 9,118,000 | 9,264,000 | 10,985,000 |
| Total capital | 9,991,000 | 9,813,000 | 9,972,000 | 11,662,000 |
| Risk-weighted assets | 93,831,000 | 96,284,000 | 97,789,000 | 98,133,000 |