Call reports 2015
FNB BANK, INC. — 2015
What FNB BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 169,348,000 | 173,306,000 | 173,025,000 | 176,085,000 |
| Total loans | 98,108,000 | 104,643,000 | 105,870,000 | 110,057,000 |
| Allowance for loan losses | 1,562,000 | 1,672,000 | 1,259,000 | 1,319,000 |
| Securities available for sale | 50,525,000 | 49,368,000 | 47,618,000 | 46,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,136,000 | 139,427,000 | 138,526,000 | 140,372,000 |
| Interest-bearing deposits | 112,488,000 | 113,512,000 | 113,355,000 | 112,523,000 |
| Noninterest-bearing deposits | 24,648,000 | 25,915,000 | 25,171,000 | 27,848,000 |
| Equity capital | 17,547,000 | 17,420,000 | 17,770,000 | 17,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,622,000 | 3,337,000 | 5,048,000 | 6,801,000 |
| Interest expense | 266,000 | 536,000 | 795,000 | 1,057,000 |
| Net interest income | 1,356,000 | 2,801,000 | 4,253,000 | 5,744,000 |
| Noninterest income | 181,000 | 315,000 | 477,000 | 731,000 |
| Noninterest expense | 1,225,000 | 2,568,000 | 3,782,000 | 5,021,000 |
| Provision for loan losses | 105,000 | 210,000 | 300,000 | 360,000 |
| Pretax income | 205,000 | 348,000 | 790,000 | 1,231,000 |
| Income tax | -83,000 | -141,000 | 55,000 | 6,000 |
| Net income | 288,000 | 489,000 | 735,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,822,000 | 15,660,000 | 16,121,000 | 15,649,000 |
| Total capital | 17,171,000 | 17,066,000 | 17,511,000 | 17,090,000 |
| Risk-weighted assets | 106,603,000 | 110,808,000 | 110,303,000 | 114,333,000 |