Call reports 2005
FNB BANK — 2005
What FNB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 311,787,000 | 315,271,000 | 317,881,000 | 336,036,000 |
| Total loans | 178,719,000 | 181,006,000 | 183,805,000 | 188,760,000 |
| Allowance for loan losses | 3,074,000 | 3,109,000 | 3,004,000 | 2,962,000 |
| Securities available for sale | 109,433,000 | 109,626,000 | 108,755,000 | 108,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,894,000 | 257,143,000 | 252,697,000 | 273,009,000 |
| Interest-bearing deposits | 229,834,000 | 231,141,000 | 225,292,000 | 239,532,000 |
| Noninterest-bearing deposits | 29,060,000 | 26,002,000 | 27,405,000 | 33,477,000 |
| Equity capital | 26,102,000 | 27,187,000 | 25,583,000 | 25,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,312,000 | 8,827,000 | 13,540,000 | 18,539,000 |
| Interest expense | 1,266,000 | 2,676,000 | 4,291,000 | 6,121,000 |
| Net interest income | 3,046,000 | 6,151,000 | 9,249,000 | 12,418,000 |
| Noninterest income | 529,000 | 1,122,000 | 1,674,000 | 2,402,000 |
| Noninterest expense | 2,839,000 | 5,709,000 | 8,572,000 | 11,181,000 |
| Provision for loan losses | 0 | 0 | 52,000 | 52,000 |
| Pretax income | 775,000 | 1,607,000 | 2,342,000 | 3,630,000 |
| Income tax | 13,000 | 13,000 | 13,000 | 78,000 |
| Net income | 762,000 | 1,594,000 | 2,329,000 | 3,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,191,000 | 22,444,000 | 21,902,000 | 22,547,000 |
| Total capital | 25,618,000 | 25,946,000 | 25,402,000 | 26,170,000 |
| Risk-weighted assets | 193,546,000 | 198,897,000 | 198,884,000 | 208,980,000 |