Call reports 2014
FNB BANK, INC. — 2014
What FNB BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 164,451,000 | 166,934,000 | 166,192,000 | 165,986,000 |
| Total loans | 91,453,000 | 96,168,000 | 96,550,000 | 97,537,000 |
| Allowance for loan losses | 1,263,000 | 1,461,000 | 1,394,000 | 1,441,000 |
| Securities available for sale | 53,097,000 | 50,947,000 | 46,642,000 | 48,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,715,000 | 133,505,000 | 133,755,000 | 134,475,000 |
| Interest-bearing deposits | 108,931,000 | 110,019,000 | 110,252,000 | 109,908,000 |
| Noninterest-bearing deposits | 22,784,000 | 23,486,000 | 23,503,000 | 24,567,000 |
| Equity capital | 16,666,000 | 17,129,000 | 17,243,000 | 17,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,583,000 | 3,209,000 | 4,804,000 | 6,449,000 |
| Interest expense | 299,000 | 591,000 | 882,000 | 1,169,000 |
| Net interest income | 1,284,000 | 2,618,000 | 3,922,000 | 5,280,000 |
| Noninterest income | 225,000 | 493,000 | 695,000 | 922,000 |
| Noninterest expense | 1,098,000 | 2,310,000 | 3,458,000 | 4,807,000 |
| Provision for loan losses | 225,000 | 514,000 | 650,000 | 782,000 |
| Pretax income | 179,000 | 386,000 | 860,000 | 981,000 |
| Income tax | 16,000 | -70,000 | 179,000 | -49,000 |
| Net income | 163,000 | 456,000 | 681,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,323,000 | 15,571,000 | 16,047,000 | 15,591,000 |
| Total capital | 16,562,000 | 16,865,000 | 17,366,000 | 16,912,000 |
| Risk-weighted assets | 99,069,000 | 103,326,000 | 105,067,000 | 105,169,000 |