Call reports 2003
FNB BANK — 2003
What FNB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 331,491,000 | 304,215,000 | 310,620,000 | 314,888,000 |
| Total loans | 182,633,000 | 180,282,000 | 179,163,000 | 184,498,000 |
| Allowance for loan losses | 3,132,000 | 3,232,000 | 3,324,000 | 3,361,000 |
| Securities available for sale | 119,595,000 | 97,974,000 | 105,440,000 | 105,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,456,000 | 245,744,000 | 245,115,000 | 254,385,000 |
| Interest-bearing deposits | 230,628,000 | 225,231,000 | 220,359,000 | 229,213,000 |
| Noninterest-bearing deposits | 20,828,000 | 20,513,000 | 24,756,000 | 25,172,000 |
| Equity capital | 26,907,000 | 28,132,000 | 27,447,000 | 27,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,469,000 | 8,583,000 | 12,276,000 | 16,476,000 |
| Interest expense | 1,309,000 | 2,495,000 | 3,532,000 | 4,555,000 |
| Net interest income | 3,160,000 | 6,088,000 | 8,744,000 | 11,921,000 |
| Noninterest income | 801,000 | 1,548,000 | 2,207,000 | 2,937,000 |
| Noninterest expense | 3,177,000 | 6,072,000 | 9,018,000 | 11,997,000 |
| Provision for loan losses | 152,000 | 302,000 | 372,000 | 402,000 |
| Pretax income | 697,000 | 1,600,000 | 1,899,000 | 2,859,000 |
| Income tax | 31,000 | 73,000 | 85,000 | 127,000 |
| Net income | 666,000 | 1,527,000 | 1,814,000 | 2,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,281,000 | 20,684,000 | 20,582,000 | 20,739,000 |
| Total capital | 23,802,000 | 24,120,000 | 24,023,000 | 24,236,000 |
| Risk-weighted assets | 201,078,000 | 194,079,000 | 194,434,000 | 198,897,000 |