Call reports 2008
FNB COMMUNITY BANK,THE — 2008
What FNB COMMUNITY BANK,THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 182,508,000 | 187,727,000 | 189,843,000 | 243,363,000 |
| Total loans | 106,380,000 | 107,846,000 | 112,383,000 | 141,999,000 |
| Allowance for loan losses | 740,000 | 734,000 | 736,000 | 1,069,000 |
| Securities available for sale | 54,265,000 | 55,578,000 | 59,908,000 | 63,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,916,000 | 161,061,000 | 156,065,000 | 215,251,000 |
| Interest-bearing deposits | 134,616,000 | 140,181,000 | 136,766,000 | 186,373,000 |
| Noninterest-bearing deposits | 19,300,000 | 20,880,000 | 19,299,000 | 28,878,000 |
| Equity capital | 24,793,000 | 24,872,000 | 25,564,000 | 25,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,509,000 | 5,025,000 | 7,560,000 | 10,608,000 |
| Interest expense | 980,000 | 1,854,000 | 2,670,000 | 3,761,000 |
| Net interest income | 1,529,000 | 3,171,000 | 4,890,000 | 6,847,000 |
| Noninterest income | 467,000 | 932,000 | 1,194,000 | 1,742,000 |
| Noninterest expense | 1,406,000 | 2,932,000 | 4,340,000 | 6,206,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 643,000 | 1,180,000 | 1,753,000 | 2,498,000 |
| Income tax | 120,000 | 200,000 | 295,000 | 452,000 |
| Net income | 523,000 | 980,000 | 1,458,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,431,000 | 24,157,000 | 24,587,000 | 20,008,000 |
| Total capital | 24,171,000 | 24,891,000 | 25,323,000 | 21,077,000 |
| Risk-weighted assets | 116,276,000 | 119,884,000 | 124,421,000 | 155,098,000 |