Call reports 2006
FNB BANK, INC. — 2006
What FNB BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 128,101,000 | 131,299,000 | 135,680,000 | 136,487,000 |
| Total loans | 80,761,000 | 83,245,000 | 83,206,000 | 83,263,000 |
| Allowance for loan losses | 855,000 | 892,000 | 906,000 | 881,000 |
| Securities available for sale | 33,033,000 | 33,546,000 | 37,041,000 | 39,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,282,000 | 108,466,000 | 112,245,000 | 112,989,000 |
| Interest-bearing deposits | 88,597,000 | 90,790,000 | 95,391,000 | 96,299,000 |
| Noninterest-bearing deposits | 16,685,000 | 17,676,000 | 16,854,000 | 16,690,000 |
| Equity capital | 13,563,000 | 13,533,000 | 13,979,000 | 14,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,920,000 | 3,925,000 | 6,084,000 | 8,274,000 |
| Interest expense | 641,000 | 1,346,000 | 2,136,000 | 3,002,000 |
| Net interest income | 1,279,000 | 2,579,000 | 3,948,000 | 5,272,000 |
| Noninterest income | 224,000 | 457,000 | 703,000 | 936,000 |
| Noninterest expense | 986,000 | 1,973,000 | 2,990,000 | 3,984,000 |
| Provision for loan losses | 50,000 | 113,000 | 187,000 | 238,000 |
| Pretax income | 467,000 | 950,000 | 1,474,000 | 1,986,000 |
| Income tax | 147,000 | 294,000 | 450,000 | 577,000 |
| Net income | 320,000 | 656,000 | 1,024,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,882,000 | 14,064,000 | 14,185,000 | 14,193,000 |
| Total capital | 14,737,000 | 14,956,000 | 15,091,000 | 15,074,000 |
| Risk-weighted assets | 88,481,000 | 80,937,000 | 81,062,000 | 82,307,000 |