Call reports 2019
FNNB BANK — 2019
What FNNB BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 80,868,000 | 84,828,000 | 82,308,000 | 78,436,000 |
| Total loans | 47,759,000 | 46,642,000 | 45,258,000 | 45,082,000 |
| Allowance for loan losses | 552,000 | 490,000 | 476,000 | 504,000 |
| Securities available for sale | 18,556,000 | 19,617,000 | 20,282,000 | 21,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,828,000 | 77,509,000 | 75,117,000 | 71,245,000 |
| Interest-bearing deposits | 53,414,000 | 55,991,000 | 53,392,000 | 50,148,000 |
| Noninterest-bearing deposits | 20,414,000 | 21,518,000 | 21,725,000 | 21,097,000 |
| Equity capital | 6,923,000 | 7,179,000 | 7,033,000 | 7,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 717,000 | 1,449,000 | 2,212,000 | 2,975,000 |
| Interest expense | 59,000 | 120,000 | 187,000 | 265,000 |
| Net interest income | 658,000 | 1,329,000 | 2,025,000 | 2,710,000 |
| Noninterest income | 58,000 | 115,000 | 163,000 | 211,000 |
| Noninterest expense | 632,000 | 1,312,000 | 1,952,000 | 2,708,000 |
| Provision for loan losses | 15,000 | 30,000 | 270,000 | 285,000 |
| Pretax income | 69,000 | 102,000 | -34,000 | -72,000 |
| Income tax | 3,000 | 5,000 | 0 | 0 |
| Net income | 66,000 | 97,000 | -34,000 | -72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,196,000 | 7,157,000 | 7,026,000 | 6,987,000 |
| Total capital | 7,748,000 | 7,647,000 | 7,502,000 | 7,491,000 |
| Risk-weighted assets | 54,835,000 | 53,581,000 | 53,495,000 | 52,871,000 |