Call reports 2012
FNB BANK, INC. — 2012
What FNB BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 152,351,000 | 154,953,000 | 153,336,000 | 149,382,000 |
| Total loans | 79,394,000 | 76,962,000 | 76,616,000 | 76,923,000 |
| Allowance for loan losses | 1,806,000 | 1,765,000 | 1,716,000 | 1,632,000 |
| Securities available for sale | 55,738,000 | 59,475,000 | 57,623,000 | 55,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,109,000 | 136,075,000 | 133,752,000 | 129,988,000 |
| Interest-bearing deposits | 111,484,000 | 115,025,000 | 111,995,000 | 109,177,000 |
| Noninterest-bearing deposits | 22,625,000 | 21,050,000 | 21,757,000 | 20,811,000 |
| Equity capital | 16,192,000 | 16,586,000 | 17,049,000 | 16,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,407,000 | 5,025,000 | 6,576,000 |
| Interest expense | 432,000 | 854,000 | 1,225,000 | 1,576,000 |
| Net interest income | 1,311,000 | 2,553,000 | 3,800,000 | 5,000,000 |
| Noninterest income | 185,000 | 445,000 | 705,000 | 923,000 |
| Noninterest expense | 1,250,000 | 2,348,000 | 3,537,000 | 4,380,000 |
| Provision for loan losses | 618,000 | 698,000 | 736,000 | 1,250,000 |
| Pretax income | -377,000 | -53,000 | 228,000 | 511,000 |
| Income tax | -32,000 | -14,000 | 1,000 | -1,000 |
| Net income | -345,000 | -39,000 | 227,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,636,000 | 15,611,000 | 15,861,000 | 15,839,000 |
| Total capital | 16,836,000 | 16,796,000 | 17,050,000 | 16,975,000 |
| Risk-weighted assets | 97,195,000 | 94,072,000 | 94,463,000 | 90,189,000 |