Call reports 2016
FNB BANK, INC. — 2016
What FNB BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 173,852,000 | 176,031,000 | 179,971,000 | 178,524,000 |
| Total loans | 111,469,000 | 115,579,000 | 120,442,000 | 122,075,000 |
| Allowance for loan losses | 1,480,000 | 1,980,000 | 1,845,000 | 1,786,000 |
| Securities available for sale | 42,660,000 | 41,123,000 | 39,388,000 | 36,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,631,000 | 139,723,000 | 142,919,000 | 142,899,000 |
| Interest-bearing deposits | 111,217,000 | 112,201,000 | 112,839,000 | 112,219,000 |
| Noninterest-bearing deposits | 28,415,000 | 27,522,000 | 30,080,000 | 30,680,000 |
| Equity capital | 17,804,000 | 18,446,000 | 18,978,000 | 17,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,700,000 | 3,465,000 | 5,292,000 | 7,123,000 |
| Interest expense | 268,000 | 540,000 | 810,000 | 1,084,000 |
| Net interest income | 1,432,000 | 2,925,000 | 4,482,000 | 6,039,000 |
| Noninterest income | 255,000 | 550,000 | 856,000 | 1,065,000 |
| Noninterest expense | 1,212,000 | 2,374,000 | 3,584,000 | 4,866,000 |
| Provision for loan losses | 180,000 | 180,000 | 0 | 0 |
| Pretax income | 317,000 | 994,000 | 1,836,000 | 2,309,000 |
| Income tax | -22,000 | 25,000 | 297,000 | 424,000 |
| Net income | 339,000 | 969,000 | 1,539,000 | 1,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,869,000 | 16,244,000 | 16,950,000 | 15,813,000 |
| Total capital | 17,308,000 | 17,724,000 | 18,497,000 | 17,380,000 |
| Risk-weighted assets | 114,267,000 | 117,045,000 | 122,632,000 | 124,138,000 |