Call reports 2009
FNB BANK, INC. — 2009
What FNB BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 134,018,000 | 135,568,000 | 136,331,000 | 136,879,000 |
| Total loans | 83,140,000 | 83,732,000 | 83,193,000 | 79,991,000 |
| Allowance for loan losses | 813,000 | 846,000 | 848,000 | 734,000 |
| Securities available for sale | 34,998,000 | 35,920,000 | 38,532,000 | 38,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,713,000 | 112,571,000 | 112,342,000 | 113,381,000 |
| Interest-bearing deposits | 93,798,000 | 95,832,000 | 95,496,000 | 96,203,000 |
| Noninterest-bearing deposits | 16,915,000 | 16,739,000 | 16,846,000 | 17,178,000 |
| Equity capital | 15,584,000 | 15,213,000 | 16,091,000 | 15,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,916,000 | 3,832,000 | 5,802,000 | 7,711,000 |
| Interest expense | 643,000 | 1,249,000 | 1,819,000 | 2,359,000 |
| Net interest income | 1,273,000 | 2,583,000 | 3,983,000 | 5,352,000 |
| Noninterest income | 207,000 | 463,000 | 693,000 | 914,000 |
| Noninterest expense | 1,059,000 | 2,245,000 | 3,435,000 | 4,564,000 |
| Provision for loan losses | 62,000 | 198,000 | 323,000 | 474,000 |
| Pretax income | 359,000 | 603,000 | 931,000 | 1,344,000 |
| Income tax | 67,000 | 124,000 | 182,000 | 212,000 |
| Net income | 292,000 | 479,000 | 749,000 | 1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,693,000 | 15,718,000 | 16,001,000 | 15,998,000 |
| Total capital | 16,506,000 | 16,564,000 | 16,849,000 | 16,732,000 |
| Risk-weighted assets | 88,098,000 | 92,832,000 | 92,389,000 | 92,915,000 |