Call reports 2015
FNNB BANK — 2015
What FNNB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 77,833,000 | 79,781,000 | 79,357,000 | 80,321,000 |
| Total loans | 44,072,000 | 44,505,000 | 45,146,000 | 48,598,000 |
| Allowance for loan losses | 574,000 | 574,000 | 574,000 | 570,000 |
| Securities available for sale | 22,834,000 | 21,952,000 | 21,651,000 | 19,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,736,000 | 72,711,000 | 72,047,000 | 73,290,000 |
| Interest-bearing deposits | 55,779,000 | 55,124,000 | 54,259,000 | 55,213,000 |
| Noninterest-bearing deposits | 14,957,000 | 17,587,000 | 17,788,000 | 18,077,000 |
| Equity capital | 6,976,000 | 6,910,000 | 7,132,000 | 6,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 629,000 | 1,275,000 | 1,930,000 | 2,598,000 |
| Interest expense | 27,000 | 54,000 | 80,000 | 105,000 |
| Net interest income | 602,000 | 1,221,000 | 1,850,000 | 2,493,000 |
| Noninterest income | 53,000 | 113,000 | 189,000 | 256,000 |
| Noninterest expense | 592,000 | 1,143,000 | 1,750,000 | 2,405,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 194,000 | 292,000 | 347,000 |
| Income tax | 3,000 | 10,000 | 15,000 | 16,000 |
| Net income | 60,000 | 184,000 | 277,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,982,000 | 7,041,000 | 7,084,000 | 6,965,000 |
| Total capital | 7,556,000 | 7,615,000 | 7,658,000 | 7,535,000 |
| Risk-weighted assets | 46,722,000 | 47,629,000 | 50,549,000 | 51,608,000 |