Call reports 2004
FNB BANK, INC. — 2004
What FNB BANK, INC. 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 | 117,202,000 | 118,150,000 | 119,031,000 | 121,586,000 |
| Total loans | 71,622,000 | 70,979,000 | 74,730,000 | 77,074,000 |
| Allowance for loan losses | 755,000 | 754,000 | 755,000 | 763,000 |
| Securities available for sale | 33,521,000 | 35,718,000 | 31,907,000 | 33,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,558,000 | 97,439,000 | 97,637,000 | 100,281,000 |
| Interest-bearing deposits | 82,136,000 | 82,671,000 | 82,226,000 | 83,814,000 |
| Noninterest-bearing deposits | 13,422,000 | 14,768,000 | 15,411,000 | 16,467,000 |
| Equity capital | 12,593,000 | 12,107,000 | 12,708,000 | 12,596,000 |
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 | 1,551,000 | 3,137,000 | 4,771,000 | 6,445,000 |
| Interest expense | 544,000 | 1,071,000 | 1,592,000 | 2,111,000 |
| Net interest income | 1,007,000 | 2,066,000 | 3,179,000 | 4,334,000 |
| Noninterest income | 156,000 | 325,000 | 520,000 | 755,000 |
| Noninterest expense | 844,000 | 1,719,000 | 2,623,000 | 3,514,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 320,000 | 679,000 | 1,067,000 | 1,549,000 |
| Income tax | 81,000 | 176,000 | 280,000 | 377,000 |
| Net income | 239,000 | 503,000 | 787,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,229,000 | 12,287,000 | 12,601,000 | 12,575,000 |
| Total capital | 12,984,000 | 13,041,000 | 13,356,000 | 13,338,000 |
| Risk-weighted assets | 67,058,000 | 66,245,000 | 65,583,000 | 72,482,000 |