Call reports 2008
FNB BANK — 2008
What FNB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 343,992,000 | 338,421,000 | 351,250,000 | 344,662,000 |
| Total loans | 208,907,000 | 203,404,000 | 203,576,000 | 199,488,000 |
| Allowance for loan losses | 1,898,000 | 1,718,000 | 2,134,000 | 3,868,000 |
| Securities available for sale | 99,461,000 | 100,119,000 | 112,641,000 | 109,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,931,000 | 269,155,000 | 262,417,000 | 277,430,000 |
| Interest-bearing deposits | 247,360,000 | 234,963,000 | 226,691,000 | 233,978,000 |
| Noninterest-bearing deposits | 34,571,000 | 34,192,000 | 35,726,000 | 43,452,000 |
| Equity capital | 34,832,000 | 34,737,000 | 34,719,000 | 32,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,553,000 | 11,266,000 | 16,425,000 | 21,139,000 |
| Interest expense | 2,086,000 | 3,672,000 | 5,159,000 | 6,432,000 |
| Net interest income | 3,467,000 | 7,594,000 | 11,266,000 | 14,707,000 |
| Noninterest income | 206,000 | 625,000 | 24,000 | 87,000 |
| Noninterest expense | 2,652,000 | 5,433,000 | 8,316,000 | 11,011,000 |
| Provision for loan losses | 75,000 | 75,000 | 700,000 | 4,676,000 |
| Pretax income | 946,000 | 2,711,000 | 2,274,000 | -893,000 |
| Income tax | 20,000 | 75,000 | 56,000 | 0 |
| Net income | 926,000 | 2,636,000 | 2,218,000 | -893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,582,000 | 30,397,000 | 29,487,000 | 26,929,000 |
| Total capital | 32,480,000 | 33,115,000 | 32,621,000 | 30,407,000 |
| Risk-weighted assets | 235,432,000 | 231,188,000 | 237,254,000 | 229,287,000 |