Call reports 2003
FNB COMMUNITY BANK,THE — 2003
What FNB COMMUNITY BANK,THE 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 | 173,308,000 | 174,941,000 | 174,975,000 | 178,433,000 |
| Total loans | 92,475,000 | 93,920,000 | 94,925,000 | 91,232,000 |
| Allowance for loan losses | 1,233,000 | 1,253,000 | 1,263,000 | 1,244,000 |
| Securities available for sale | 65,070,000 | 63,389,000 | 61,112,000 | 67,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,120,000 | 145,740,000 | 146,447,000 | 150,274,000 |
| Interest-bearing deposits | 131,084,000 | 130,400,000 | 130,178,000 | 132,003,000 |
| Noninterest-bearing deposits | 15,036,000 | 15,340,000 | 16,269,000 | 18,271,000 |
| Equity capital | 21,235,000 | 21,732,000 | 21,658,000 | 21,291,000 |
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 | 2,275,000 | 4,478,000 | 6,590,000 | 8,745,000 |
| Interest expense | 716,000 | 1,397,000 | 2,037,000 | 2,650,000 |
| Net interest income | 1,559,000 | 3,081,000 | 4,553,000 | 6,095,000 |
| Noninterest income | 364,000 | 680,000 | 1,023,000 | 1,357,000 |
| Noninterest expense | 1,191,000 | 2,296,000 | 3,537,000 | 4,675,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 734,000 | 1,503,000 | 2,081,000 | 2,851,000 |
| Income tax | 168,000 | 349,000 | 447,000 | 584,000 |
| Net income | 566,000 | 1,154,000 | 1,634,000 | 2,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,693,000 | 19,120,000 | 19,514,000 | 19,246,000 |
| Total capital | 19,919,000 | 20,371,000 | 20,777,000 | 20,486,000 |
| Risk-weighted assets | 98,057,000 | 100,101,000 | 101,698,000 | 99,170,000 |