Call reports 2005
FNB COMMUNITY BANK,THE — 2005
What FNB COMMUNITY BANK,THE 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 | 178,221,000 | 180,085,000 | 175,756,000 | 177,840,000 |
| Total loans | 91,376,000 | 92,465,000 | 96,486,000 | 98,680,000 |
| Allowance for loan losses | 1,210,000 | 1,238,000 | 1,226,000 | 1,221,000 |
| Securities available for sale | 70,201,000 | 72,657,000 | 68,773,000 | 66,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,450,000 | 153,526,000 | 147,664,000 | 151,251,000 |
| Interest-bearing deposits | 136,140,000 | 136,284,000 | 130,889,000 | 132,657,000 |
| Noninterest-bearing deposits | 16,310,000 | 17,242,000 | 16,775,000 | 18,594,000 |
| Equity capital | 20,667,000 | 21,401,000 | 21,757,000 | 21,478,000 |
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 | 2,142,000 | 4,365,000 | 6,661,000 | 8,959,000 |
| Interest expense | 564,000 | 1,162,000 | 1,816,000 | 2,485,000 |
| Net interest income | 1,578,000 | 3,203,000 | 4,845,000 | 6,474,000 |
| Noninterest income | 282,000 | 586,000 | 929,000 | 1,261,000 |
| Noninterest expense | 1,148,000 | 2,277,000 | 3,508,000 | 4,679,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 712,000 | 1,516,000 | 2,245,000 | 3,029,000 |
| Income tax | 154,000 | 338,000 | 501,000 | 688,000 |
| Net income | 558,000 | 1,178,000 | 1,744,000 | 2,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,779,000 | 20,398,000 | 20,924,000 | 20,958,000 |
| Total capital | 20,989,000 | 21,636,000 | 22,150,000 | 22,179,000 |
| Risk-weighted assets | 100,217,000 | 101,496,000 | 104,424,000 | 106,388,000 |