Call reports 2011
FNB BANK, INC. — 2011
What FNB BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 152,473,000 | 154,568,000 | 158,287,000 | 155,524,000 |
| Total loans | 74,945,000 | 76,169,000 | 76,677,000 | 78,842,000 |
| Allowance for loan losses | 850,000 | 1,246,000 | 1,284,000 | 1,262,000 |
| Securities available for sale | 57,991,000 | 61,383,000 | 61,172,000 | 59,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,555,000 | 136,675,000 | 139,072,000 | 136,577,000 |
| Interest-bearing deposits | 116,412,000 | 117,014,000 | 120,115,000 | 117,231,000 |
| Noninterest-bearing deposits | 18,143,000 | 19,661,000 | 18,957,000 | 19,346,000 |
| Equity capital | 15,809,000 | 15,644,000 | 16,671,000 | 16,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,806,000 | 3,625,000 | 5,404,000 | 7,184,000 |
| Interest expense | 444,000 | 946,000 | 1,435,000 | 1,907,000 |
| Net interest income | 1,362,000 | 2,679,000 | 3,969,000 | 5,277,000 |
| Noninterest income | 200,000 | 639,000 | 791,000 | 1,000,000 |
| Noninterest expense | 1,201,000 | 3,519,000 | 4,909,000 | 5,989,000 |
| Provision for loan losses | 135,000 | 750,000 | 815,000 | 901,000 |
| Pretax income | 229,000 | -948,000 | -507,000 | -135,000 |
| Income tax | 33,000 | -161,000 | -163,000 | -308,000 |
| Net income | 196,000 | -787,000 | -344,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,548,000 | 15,396,000 | 15,840,000 | 15,983,000 |
| Total capital | 17,398,000 | 16,573,000 | 17,030,000 | 17,196,000 |
| Risk-weighted assets | 94,496,000 | 96,272,000 | 95,107,000 | 96,879,000 |