Call reports 2002
FNB BANK, INC. — 2002
What FNB BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 107,174,000 | 108,460,000 | 108,398,000 | 109,103,000 |
| Total loans | 66,311,000 | 66,695,000 | 65,888,000 | 64,995,000 |
| Allowance for loan losses | 753,000 | 759,000 | 754,000 | 743,000 |
| Securities available for sale | 25,474,000 | 27,040,000 | 30,806,000 | 31,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,355,000 | 87,668,000 | 87,990,000 | 88,650,000 |
| Interest-bearing deposits | 75,607,000 | 76,210,000 | 76,672,000 | 77,886,000 |
| Noninterest-bearing deposits | 11,748,000 | 11,458,000 | 11,318,000 | 10,764,000 |
| Equity capital | 10,896,000 | 11,268,000 | 11,719,000 | 11,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,738,000 | 3,502,000 | 5,211,000 | 6,887,000 |
| Interest expense | 788,000 | 1,538,000 | 2,272,000 | 2,986,000 |
| Net interest income | 950,000 | 1,964,000 | 2,939,000 | 3,901,000 |
| Noninterest income | 111,000 | 233,000 | 355,000 | 515,000 |
| Noninterest expense | 723,000 | 1,416,000 | 2,142,000 | 2,857,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 75,000 |
| Pretax income | 316,000 | 736,000 | 1,168,000 | 1,568,000 |
| Income tax | 110,000 | 251,000 | 393,000 | 523,000 |
| Net income | 206,000 | 485,000 | 775,000 | 1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,890,000 | 11,044,000 | 11,335,000 | 11,304,000 |
| Total capital | 11,611,000 | 11,780,000 | 12,060,000 | 12,047,000 |
| Risk-weighted assets | 57,672,000 | 58,891,000 | 57,934,000 | 60,408,000 |