Call reports 2003
FNB BANK, INC. — 2003
What FNB BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 116,826,000 | 117,542,000 | 114,610,000 | 114,844,000 |
| Total loans | 64,605,000 | 65,707,000 | 70,305,000 | 72,849,000 |
| Allowance for loan losses | 759,000 | 768,000 | 796,000 | 767,000 |
| Securities available for sale | 37,838,000 | 39,151,000 | 33,855,000 | 32,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,867,000 | 92,256,000 | 94,163,000 | 94,064,000 |
| Interest-bearing deposits | 79,019,000 | 79,430,000 | 81,128,000 | 81,468,000 |
| Noninterest-bearing deposits | 11,848,000 | 12,826,000 | 13,035,000 | 12,596,000 |
| Equity capital | 11,917,000 | 12,182,000 | 11,896,000 | 12,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,635,000 | 3,227,000 | 4,803,000 | 6,438,000 |
| Interest expense | 691,000 | 1,344,000 | 1,961,000 | 2,539,000 |
| Net interest income | 944,000 | 1,883,000 | 2,842,000 | 3,899,000 |
| Noninterest income | 163,000 | 329,000 | 517,000 | 695,000 |
| Noninterest expense | 805,000 | 1,619,000 | 2,464,000 | 3,294,000 |
| Provision for loan losses | 23,000 | 45,000 | 60,000 | 60,000 |
| Pretax income | 396,000 | 691,000 | 988,000 | 1,423,000 |
| Income tax | 134,000 | 227,000 | 325,000 | 375,000 |
| Net income | 262,000 | 464,000 | 663,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,566,000 | 11,576,000 | 11,609,000 | 12,013,000 |
| Total capital | 12,325,000 | 12,344,000 | 12,405,000 | 12,780,000 |
| Risk-weighted assets | 62,277,000 | 61,996,000 | 64,868,000 | 66,789,000 |