Call reports 2010
FNB BANK, INC. — 2010
What FNB BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 138,944,000 | 141,137,000 | 153,436,000 | 151,797,000 |
| Total loans | 78,487,000 | 77,734,000 | 76,996,000 | 75,699,000 |
| Allowance for loan losses | 804,000 | 686,000 | 653,000 | 795,000 |
| Securities available for sale | 39,543,000 | 40,691,000 | 57,186,000 | 59,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,232,000 | 117,041,000 | 131,762,000 | 131,967,000 |
| Interest-bearing deposits | 97,926,000 | 98,830,000 | 115,382,000 | 114,874,000 |
| Noninterest-bearing deposits | 17,306,000 | 18,211,000 | 16,380,000 | 17,093,000 |
| Equity capital | 15,981,000 | 16,426,000 | 17,454,000 | 15,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,829,000 | 3,666,000 | 5,503,000 | 7,393,000 |
| Interest expense | 501,000 | 978,000 | 1,496,000 | 1,990,000 |
| Net interest income | 1,328,000 | 2,688,000 | 4,007,000 | 5,403,000 |
| Noninterest income | 200,000 | 435,000 | 650,000 | 888,000 |
| Noninterest expense | 1,160,000 | 2,327,000 | 3,518,000 | 4,703,000 |
| Provision for loan losses | 75,000 | 200,000 | 325,000 | 475,000 |
| Pretax income | 294,000 | 662,000 | 880,000 | 1,276,000 |
| Income tax | 42,000 | 64,000 | 46,000 | 132,000 |
| Net income | 252,000 | 598,000 | 834,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,253,000 | 16,369,000 | 16,604,000 | 16,336,000 |
| Total capital | 17,057,000 | 17,055,000 | 17,257,000 | 17,131,000 |
| Risk-weighted assets | 93,457,000 | 92,750,000 | 89,093,000 | 95,066,000 |