Call reports 2006
FNB BANK — 2006
What FNB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 337,360,000 | 334,636,000 | 350,864,000 | 364,678,000 |
| Total loans | 190,728,000 | 204,963,000 | 217,031,000 | 224,979,000 |
| Allowance for loan losses | 2,980,000 | 2,906,000 | 2,948,000 | 2,554,000 |
| Securities available for sale | 105,473,000 | 102,129,000 | 105,206,000 | 102,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,616,000 | 267,598,000 | 282,348,000 | 301,431,000 |
| Interest-bearing deposits | 241,410,000 | 238,510,000 | 252,819,000 | 265,427,000 |
| Noninterest-bearing deposits | 29,206,000 | 29,088,000 | 29,528,000 | 36,004,000 |
| Equity capital | 29,615,000 | 28,864,000 | 29,981,000 | 29,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,174,000 | 10,572,000 | 16,323,000 | 22,175,000 |
| Interest expense | 2,073,000 | 4,326,000 | 6,955,000 | 9,806,000 |
| Net interest income | 3,101,000 | 6,246,000 | 9,368,000 | 12,369,000 |
| Noninterest income | 550,000 | 1,167,000 | 2,808,000 | 4,914,000 |
| Noninterest expense | 2,703,000 | 5,495,000 | 10,113,000 | 15,330,000 |
| Provision for loan losses | 0 | 60,000 | 125,000 | 235,000 |
| Pretax income | 948,000 | 1,858,000 | 1,938,000 | 1,718,000 |
| Income tax | 36,000 | 43,000 | 78,000 | 59,000 |
| Net income | 912,000 | 1,815,000 | 1,860,000 | 1,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,981,000 | 27,307,000 | 26,173,000 | 25,614,000 |
| Total capital | 30,676,000 | 31,153,000 | 30,087,000 | 29,180,000 |
| Risk-weighted assets | 214,558,000 | 227,321,000 | 232,214,000 | 237,453,000 |