Call reports 2004
FNB BANK, NATIONAL ASSOCIATION — 2004
What FNB BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 290,214,000 | 286,565,000 | 276,178,000 | 273,285,000 |
| Total loans | 195,871,000 | 206,082,000 | 208,662,000 | 208,866,000 |
| Allowance for loan losses | 2,069,000 | 1,993,000 | 1,940,000 | 1,859,000 |
| Securities available for sale | 77,495,000 | 62,924,000 | 50,219,000 | 46,665,000 |
| Securities held to maturity | 44,000 | 39,000 | 37,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,678,000 | 208,218,000 | 202,695,000 | 203,377,000 |
| Interest-bearing deposits | 177,396,000 | 176,050,000 | 171,306,000 | 171,577,000 |
| Noninterest-bearing deposits | 29,282,000 | 32,168,000 | 31,389,000 | 31,800,000 |
| Equity capital | 24,061,000 | 23,040,000 | 23,923,000 | 23,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,579,000 | 7,071,000 | 10,582,000 | 14,077,000 |
| Interest expense | 1,168,000 | 2,297,000 | 3,424,000 | 4,531,000 |
| Net interest income | 2,411,000 | 4,774,000 | 7,158,000 | 9,546,000 |
| Noninterest income | 641,000 | 1,342,000 | 2,125,000 | 2,894,000 |
| Noninterest expense | 1,630,000 | 3,321,000 | 5,100,000 | 6,882,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,422,000 | 2,879,000 | 4,268,000 | 5,643,000 |
| Income tax | 454,000 | 924,000 | 1,372,000 | 1,814,000 |
| Net income | 968,000 | 1,955,000 | 2,896,000 | 3,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,402,000 | 18,705,000 | 18,963,000 | 19,201,000 |
| Total capital | 20,471,000 | 20,698,000 | 20,903,000 | 21,060,000 |
| Risk-weighted assets | 175,305,000 | 188,861,000 | 188,508,000 | 188,532,000 |
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