Call reports 2004
FNB COMMUNITY BANK,THE — 2004
What FNB COMMUNITY BANK,THE 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 | 179,656,000 | 182,649,000 | 180,554,000 | 182,240,000 |
| Total loans | 91,315,000 | 92,243,000 | 95,275,000 | 95,312,000 |
| Allowance for loan losses | 1,250,000 | 1,250,000 | 1,202,000 | 1,200,000 |
| Securities available for sale | 73,203,000 | 73,815,000 | 68,191,000 | 67,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,710,000 | 155,531,000 | 152,826,000 | 154,845,000 |
| Interest-bearing deposits | 135,453,000 | 139,694,000 | 136,708,000 | 135,481,000 |
| Noninterest-bearing deposits | 15,257,000 | 15,837,000 | 16,118,000 | 19,364,000 |
| Equity capital | 22,030,000 | 21,076,000 | 22,125,000 | 21,880,000 |
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 | 2,107,000 | 4,242,000 | 6,382,000 | 8,560,000 |
| Interest expense | 591,000 | 1,145,000 | 1,681,000 | 2,245,000 |
| Net interest income | 1,516,000 | 3,097,000 | 4,701,000 | 6,315,000 |
| Noninterest income | 341,000 | 638,000 | 918,000 | 1,209,000 |
| Noninterest expense | 1,215,000 | 2,386,000 | 3,642,000 | 4,771,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 642,000 | 1,351,000 | 1,949,000 | 2,734,000 |
| Income tax | 116,000 | 246,000 | 334,000 | 503,000 |
| Net income | 526,000 | 1,105,000 | 1,615,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,752,000 | 20,104,000 | 20,463,000 | 20,403,000 |
| Total capital | 20,999,000 | 21,354,000 | 21,665,000 | 21,603,000 |
| Risk-weighted assets | 99,791,000 | 102,026,000 | 103,788,000 | 103,849,000 |