Call reports 2007
FNB BANK, INC. — 2007
What FNB BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 136,302,000 | 136,564,000 | 138,759,000 | 136,052,000 |
| Total loans | 82,216,000 | 82,916,000 | 82,417,000 | 82,251,000 |
| Allowance for loan losses | 904,000 | 913,000 | 839,000 | 842,000 |
| Securities available for sale | 39,201,000 | 39,635,000 | 40,596,000 | 40,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,425,000 | 112,890,000 | 114,259,000 | 111,650,000 |
| Interest-bearing deposits | 94,809,000 | 96,438,000 | 97,559,000 | 95,530,000 |
| Noninterest-bearing deposits | 17,616,000 | 16,452,000 | 16,700,000 | 16,120,000 |
| Equity capital | 14,420,000 | 14,206,000 | 14,867,000 | 14,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,144,000 | 4,330,000 | 6,578,000 | 8,841,000 |
| Interest expense | 870,000 | 1,780,000 | 2,728,000 | 3,669,000 |
| Net interest income | 1,274,000 | 2,550,000 | 3,850,000 | 5,172,000 |
| Noninterest income | 223,000 | 467,000 | 730,000 | 980,000 |
| Noninterest expense | 999,000 | 2,031,000 | 3,084,000 | 4,106,000 |
| Provision for loan losses | 37,000 | 100,000 | 150,000 | 238,000 |
| Pretax income | 460,000 | 885,000 | 1,345,000 | 1,807,000 |
| Income tax | 128,000 | 238,000 | 330,000 | 443,000 |
| Net income | 332,000 | 647,000 | 1,015,000 | 1,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,550,000 | 14,697,000 | 15,043,000 | 14,758,000 |
| Total capital | 15,454,000 | 15,610,000 | 15,882,000 | 15,600,000 |
| Risk-weighted assets | 81,853,000 | 83,457,000 | 83,226,000 | 82,680,000 |