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 | 132,417,000 | 136,899,000 | 140,934,000 | 139,215,000 |
| Total loans | 106,674,000 | 109,797,000 | 111,274,000 | 111,208,000 |
| Allowance for loan losses | 832,000 | 860,000 | 887,000 | 866,000 |
| Securities available for sale | 14,321,000 | 13,705,000 | 13,619,000 | 13,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,616,000 | 119,560,000 | 121,144,000 | 123,760,000 |
| Interest-bearing deposits | 99,402,000 | 102,643,000 | 103,155,000 | 105,160,000 |
| Noninterest-bearing deposits | 16,214,000 | 16,917,000 | 17,989,000 | 18,600,000 |
| Equity capital | 12,221,000 | 12,014,000 | 12,446,000 | 12,787,000 |
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 | 2,268,000 | 4,759,000 | 7,231,000 | 9,684,000 |
| Interest expense | 956,000 | 2,014,000 | 3,148,000 | 4,270,000 |
| Net interest income | 1,312,000 | 2,745,000 | 4,083,000 | 5,414,000 |
| Noninterest income | 191,000 | 437,000 | 712,000 | 1,021,000 |
| Noninterest expense | 1,160,000 | 2,372,000 | 3,549,000 | 4,727,000 |
| Provision for loan losses | 36,000 | 70,000 | 110,000 | 161,000 |
| Pretax income | 307,000 | 740,000 | 1,136,000 | 1,547,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 307,000 | 740,000 | 1,136,000 | 1,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,375,000 | 12,436,000 | 12,635,000 | 12,824,000 |
| Total capital | 13,207,000 | 13,296,000 | 13,522,000 | 13,690,000 |
| Risk-weighted assets | 115,191,000 | 118,382,000 | 122,947,000 | 120,147,000 |