Call reports 2013
FNB BANK, INC. — 2013
What FNB BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 150,836,000 | 156,346,000 | 159,132,000 | 162,355,000 |
| Total loans | 77,038,000 | 76,396,000 | 81,685,000 | 91,326,000 |
| Allowance for loan losses | 1,692,000 | 1,191,000 | 1,207,000 | 1,237,000 |
| Securities available for sale | 55,445,000 | 59,318,000 | 57,507,000 | 52,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,479,000 | 132,647,000 | 131,540,000 | 130,888,000 |
| Interest-bearing deposits | 109,831,000 | 111,324,000 | 110,584,000 | 109,100,000 |
| Noninterest-bearing deposits | 21,648,000 | 21,323,000 | 20,956,000 | 21,788,000 |
| Equity capital | 17,121,000 | 16,518,000 | 16,420,000 | 16,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,109,000 | 4,656,000 | 6,280,000 |
| Interest expense | 327,000 | 648,000 | 964,000 | 1,277,000 |
| Net interest income | 1,208,000 | 2,461,000 | 3,692,000 | 5,003,000 |
| Noninterest income | 193,000 | 419,000 | 657,000 | 891,000 |
| Noninterest expense | 1,128,000 | 2,315,000 | 3,525,000 | 4,709,000 |
| Provision for loan losses | 75,000 | 95,000 | 115,000 | 190,000 |
| Pretax income | 198,000 | 507,000 | 744,000 | 1,041,000 |
| Income tax | 10,000 | -30,000 | -42,000 | 22,000 |
| Net income | 188,000 | 537,000 | 786,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,027,000 | 16,274,000 | 16,523,000 | 15,158,000 |
| Total capital | 17,175,000 | 17,474,000 | 17,714,000 | 16,394,000 |
| Risk-weighted assets | 91,131,000 | 95,962,000 | 95,210,000 | 98,837,000 |