Call reports 2020
FNB BANK, INC. — 2020
What FNB BANK, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 220,150,000 | 234,968,000 | 230,816,000 | 238,348,000 |
| Total loans | 155,167,000 | 163,443,000 | 167,533,000 | 162,498,000 |
| Allowance for loan losses | 2,045,000 | 2,181,000 | 1,875,000 | 1,981,000 |
| Securities available for sale | 30,692,000 | 35,153,000 | 35,061,000 | 41,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,052,000 | 185,508,000 | 178,576,000 | 186,838,000 |
| Interest-bearing deposits | 133,085,000 | 136,034,000 | 133,003,000 | 138,309,000 |
| Noninterest-bearing deposits | 39,967,000 | 49,474,000 | 45,573,000 | 48,529,000 |
| Equity capital | 21,754,000 | 22,105,000 | 21,360,000 | 22,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,438,000 | 4,830,000 | 7,206,000 | 9,798,000 |
| Interest expense | 515,000 | 1,066,000 | 1,597,000 | 2,110,000 |
| Net interest income | 1,923,000 | 3,764,000 | 5,609,000 | 7,688,000 |
| Noninterest income | 217,000 | 414,000 | 745,000 | 988,000 |
| Noninterest expense | 1,440,000 | 2,894,000 | 4,287,000 | 5,401,000 |
| Provision for loan losses | 223,000 | 413,000 | 2,253,000 | 2,363,000 |
| Pretax income | 465,000 | 896,000 | -13,000 | 1,085,000 |
| Income tax | 70,000 | 141,000 | -108,000 | 134,000 |
| Net income | 395,000 | 755,000 | 95,000 | 951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,361,000 | 21,722,000 | 21,061,000 | 21,618,000 |
| Total capital | 23,413,000 | 23,883,000 | 23,014,000 | 23,752,000 |
| Risk-weighted assets | 164,017,000 | 172,724,000 | 156,167,000 | 171,515,000 |