Call reports 2012
FNNB BANK — 2012
What FNNB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,622,000 | 77,128,000 | 77,299,000 | 78,791,000 |
| Total loans | 38,015,000 | 39,426,000 | 38,766,000 | 41,429,000 |
| Allowance for loan losses | 454,000 | 474,000 | 469,000 | 485,000 |
| Securities available for sale | 23,839,000 | 23,638,000 | 25,039,000 | 23,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,199,000 | 69,781,000 | 69,688,000 | 71,474,000 |
| Interest-bearing deposits | 57,911,000 | 55,623,000 | 55,040,000 | 55,494,000 |
| Noninterest-bearing deposits | 14,288,000 | 14,158,000 | 14,648,000 | 15,980,000 |
| Equity capital | 7,067,000 | 6,979,000 | 7,238,000 | 6,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 672,000 | 1,353,000 | 2,055,000 | 2,730,000 |
| Interest expense | 62,000 | 122,000 | 177,000 | 230,000 |
| Net interest income | 610,000 | 1,231,000 | 1,878,000 | 2,500,000 |
| Noninterest income | 75,000 | 141,000 | 212,000 | 284,000 |
| Noninterest expense | 592,000 | 1,138,000 | 1,745,000 | 2,385,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 36,000 |
| Pretax income | 93,000 | 234,000 | 362,000 | 400,000 |
| Income tax | 5,000 | 13,000 | 20,000 | 22,000 |
| Net income | 88,000 | 221,000 | 342,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,758,000 | 6,861,000 | 6,952,000 | 6,808,000 |
| Total capital | 7,212,000 | 7,335,000 | 7,421,000 | 7,293,000 |
| Risk-weighted assets | 42,085,000 | 45,516,000 | 43,359,000 | 45,519,000 |