Call reports 2005
FNB BANK, INC. — 2005
What FNB BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 123,699,000 | 125,488,000 | 127,554,000 | 129,231,000 |
| Total loans | 77,313,000 | 78,956,000 | 78,709,000 | 80,456,000 |
| Allowance for loan losses | 775,000 | 768,000 | 777,000 | 804,000 |
| Securities available for sale | 32,331,000 | 34,311,000 | 33,933,000 | 25,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,383,000 | 103,608,000 | 105,376,000 | 106,717,000 |
| Interest-bearing deposits | 83,933,000 | 86,842,000 | 89,205,000 | 88,262,000 |
| Noninterest-bearing deposits | 18,450,000 | 16,766,000 | 16,171,000 | 18,455,000 |
| Equity capital | 12,522,000 | 12,908,000 | 13,097,000 | 13,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,717,000 | 3,496,000 | 5,312,000 | 7,175,000 |
| Interest expense | 511,000 | 1,054,000 | 1,641,000 | 2,262,000 |
| Net interest income | 1,206,000 | 2,442,000 | 3,671,000 | 4,913,000 |
| Noninterest income | 169,000 | 368,000 | 576,000 | 1,182,000 |
| Noninterest expense | 957,000 | 1,927,000 | 2,918,000 | 3,955,000 |
| Provision for loan losses | 23,000 | 45,000 | 78,000 | 140,000 |
| Pretax income | 396,000 | 819,000 | 1,232,000 | 1,594,000 |
| Income tax | 113,000 | 215,000 | 327,000 | 420,000 |
| Net income | 283,000 | 604,000 | 905,000 | 1,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,779,000 | 12,919,000 | 13,225,000 | 13,511,000 |
| Total capital | 13,554,000 | 13,687,000 | 14,002,000 | 14,315,000 |
| Risk-weighted assets | 70,991,000 | 75,024,000 | 75,021,000 | 76,909,000 |