Call reports 2004
FNB BANK — 2004
What FNB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 303,802,000 | 307,740,000 | 314,300,000 | 326,040,000 |
| Total loans | 174,837,000 | 177,674,000 | 182,649,000 | 185,934,000 |
| Allowance for loan losses | 3,340,000 | 3,341,000 | 3,354,000 | 3,126,000 |
| Securities available for sale | 105,905,000 | 106,935,000 | 108,503,000 | 107,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,017,000 | 248,111,000 | 243,940,000 | 272,228,000 |
| Interest-bearing deposits | 223,950,000 | 223,648,000 | 220,260,000 | 241,814,000 |
| Noninterest-bearing deposits | 25,067,000 | 24,463,000 | 23,680,000 | 30,414,000 |
| Equity capital | 28,619,000 | 26,260,000 | 27,696,000 | 27,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,055,000 | 7,916,000 | 12,031,000 | 16,359,000 |
| Interest expense | 963,000 | 1,923,000 | 2,951,000 | 4,136,000 |
| Net interest income | 3,092,000 | 5,993,000 | 9,080,000 | 12,223,000 |
| Noninterest income | 670,000 | 1,192,000 | 1,791,000 | 2,287,000 |
| Noninterest expense | 2,817,000 | 5,566,000 | 8,214,000 | 11,087,000 |
| Provision for loan losses | 50,000 | 125,000 | 135,000 | 135,000 |
| Pretax income | 895,000 | 1,580,000 | 2,650,000 | 3,420,000 |
| Income tax | 25,000 | 40,000 | 61,000 | 43,000 |
| Net income | 870,000 | 1,540,000 | 2,589,000 | 3,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,135,000 | 21,315,000 | 21,898,000 | 22,108,000 |
| Total capital | 24,510,000 | 24,720,000 | 25,373,000 | 25,643,000 |
| Risk-weighted assets | 188,718,000 | 191,457,000 | 196,987,000 | 202,001,000 |