Call reports 2008
FNB BANK, INC. — 2008
What FNB BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 134,950,000 | 133,578,000 | 133,720,000 | 132,600,000 |
| Total loans | 82,515,000 | 84,231,000 | 84,766,000 | 83,842,000 |
| Allowance for loan losses | 850,000 | 861,000 | 864,000 | 860,000 |
| Securities available for sale | 34,290,000 | 33,293,000 | 32,426,000 | 33,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,312,000 | 109,654,000 | 109,830,000 | 109,622,000 |
| Interest-bearing deposits | 93,689,000 | 92,755,000 | 92,749,000 | 93,795,000 |
| Noninterest-bearing deposits | 16,623,000 | 16,899,000 | 17,081,000 | 15,827,000 |
| Equity capital | 15,305,000 | 15,005,000 | 14,962,000 | 15,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,157,000 | 4,205,000 | 6,222,000 | 8,230,000 |
| Interest expense | 854,000 | 1,602,000 | 2,314,000 | 3,007,000 |
| Net interest income | 1,303,000 | 2,603,000 | 3,908,000 | 5,223,000 |
| Noninterest income | 212,000 | 440,000 | 668,000 | 1,036,000 |
| Noninterest expense | 1,051,000 | 2,131,000 | 3,223,000 | 4,315,000 |
| Provision for loan losses | 50,000 | 100,000 | 138,000 | 175,000 |
| Pretax income | 422,000 | 820,000 | 786,000 | 1,329,000 |
| Income tax | 101,000 | 202,000 | 137,000 | 274,000 |
| Net income | 321,000 | 618,000 | 649,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,957,000 | 15,116,000 | 15,390,000 | 15,399,000 |
| Total capital | 15,807,000 | 15,977,000 | 16,254,000 | 16,259,000 |
| Risk-weighted assets | 87,193,000 | 88,206,000 | 89,145,000 | 88,531,000 |