Call reports 2007
FNB COMMUNITY BANK,THE — 2007
What FNB COMMUNITY BANK,THE 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 | 178,959,000 | 186,904,000 | 178,770,000 | 183,356,000 |
| Total loans | 101,585,000 | 100,899,000 | 101,878,000 | 104,062,000 |
| Allowance for loan losses | 1,225,000 | 751,000 | 746,000 | 748,000 |
| Securities available for sale | 55,146,000 | 55,317,000 | 57,608,000 | 56,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,618,000 | 160,646,000 | 151,517,000 | 155,899,000 |
| Interest-bearing deposits | 136,040,000 | 143,278,000 | 133,837,000 | 136,370,000 |
| Noninterest-bearing deposits | 16,578,000 | 17,368,000 | 17,680,000 | 19,529,000 |
| Equity capital | 22,835,000 | 22,856,000 | 23,716,000 | 23,886,000 |
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 | 2,518,000 | 5,053,000 | 7,661,000 | 10,295,000 |
| Interest expense | 1,047,000 | 2,120,000 | 3,243,000 | 4,328,000 |
| Net interest income | 1,471,000 | 2,933,000 | 4,418,000 | 5,967,000 |
| Noninterest income | 426,000 | 815,000 | 1,180,000 | 1,572,000 |
| Noninterest expense | 1,227,000 | 2,612,000 | 3,834,000 | 5,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 670,000 | 1,136,000 | 1,764,000 | 2,451,000 |
| Income tax | 145,000 | 199,000 | 313,000 | 444,000 |
| Net income | 525,000 | 937,000 | 1,451,000 | 2,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,240,000 | 22,555,000 | 23,032,000 | 22,892,000 |
| Total capital | 23,465,000 | 23,306,000 | 23,778,000 | 23,640,000 |
| Risk-weighted assets | 112,102,000 | 114,385,000 | 113,079,000 | 115,388,000 |