Call reports 2007
FNB BANK — 2007
What FNB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 353,067,000 | 369,667,000 | 368,484,000 | 374,421,000 |
| Total loans | 219,197,000 | 236,970,000 | 229,545,000 | 225,465,000 |
| Allowance for loan losses | 2,664,000 | 2,837,000 | 1,857,000 | 1,903,000 |
| Securities available for sale | 105,653,000 | 101,536,000 | 103,689,000 | 97,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,479,000 | 280,879,000 | 288,088,000 | 309,539,000 |
| Interest-bearing deposits | 248,846,000 | 250,403,000 | 256,600,000 | 268,769,000 |
| Noninterest-bearing deposits | 28,633,000 | 30,476,000 | 31,488,000 | 40,770,000 |
| Equity capital | 29,882,000 | 29,508,000 | 30,908,000 | 33,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,079,000 | 12,068,000 | 18,381,000 | 24,836,000 |
| Interest expense | 2,872,000 | 5,901,000 | 8,910,000 | 11,674,000 |
| Net interest income | 3,207,000 | 6,167,000 | 9,471,000 | 13,162,000 |
| Noninterest income | 1,325,000 | 2,472,000 | 3,044,000 | 3,514,000 |
| Noninterest expense | 4,198,000 | 7,818,000 | 10,871,000 | 13,679,000 |
| Provision for loan losses | 115,000 | 265,000 | 640,000 | 730,000 |
| Pretax income | 191,000 | 529,000 | 976,000 | 2,262,000 |
| Income tax | 0 | 18,000 | 0 | 54,000 |
| Net income | 191,000 | 511,000 | 976,000 | 2,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,795,000 | 26,138,000 | 26,621,000 | 28,635,000 |
| Total capital | 29,474,000 | 29,988,000 | 29,496,000 | 31,337,000 |
| Risk-weighted assets | 233,922,000 | 251,050,000 | 257,354,000 | 253,240,000 |