Call reports 2016
FNNB BANK — 2016
What FNNB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 81,795,000 | 82,603,000 | 80,647,000 | 82,535,000 |
| Total loans | 48,476,000 | 48,050,000 | 46,399,000 | 46,837,000 |
| Allowance for loan losses | 508,000 | 507,000 | 498,000 | 453,000 |
| Securities available for sale | 19,159,000 | 20,764,000 | 20,844,000 | 22,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,606,000 | 75,321,000 | 73,299,000 | 75,765,000 |
| Interest-bearing deposits | 57,767,000 | 55,010,000 | 53,461,000 | 55,132,000 |
| Noninterest-bearing deposits | 16,839,000 | 20,311,000 | 19,838,000 | 20,633,000 |
| Equity capital | 7,077,000 | 7,142,000 | 7,190,000 | 6,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,353,000 | 2,012,000 | 2,658,000 |
| Interest expense | 26,000 | 52,000 | 81,000 | 106,000 |
| Net interest income | 647,000 | 1,301,000 | 1,931,000 | 2,552,000 |
| Noninterest income | 56,000 | 120,000 | 189,000 | 262,000 |
| Noninterest expense | 596,000 | 1,230,000 | 1,865,000 | 2,562,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 25,000 |
| Pretax income | 87,000 | 171,000 | 235,000 | 227,000 |
| Income tax | 4,000 | 9,000 | 12,000 | 11,000 |
| Net income | 83,000 | 162,000 | 223,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,048,000 | 7,066,000 | 7,088,000 | 6,981,000 |
| Total capital | 7,556,000 | 7,573,000 | 7,586,000 | 7,434,000 |
| Risk-weighted assets | 52,828,000 | 53,601,000 | 53,521,000 | 55,297,000 |