Call reports 2009
FNB BANK — 2009
What FNB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 313,666,000 | 305,246,000 | 306,682,000 | 287,936,000 |
| Total loans | 189,043,000 | 191,517,000 | 192,348,000 | 171,922,000 |
| Allowance for loan losses | 4,043,000 | 3,830,000 | 4,246,000 | 4,383,000 |
| Securities available for sale | 92,814,000 | 81,665,000 | 85,478,000 | 79,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,776,000 | 256,606,000 | 252,576,000 | 254,225,000 |
| Interest-bearing deposits | 225,023,000 | 219,262,000 | 216,474,000 | 214,557,000 |
| Noninterest-bearing deposits | 38,753,000 | 37,344,000 | 36,102,000 | 39,668,000 |
| Equity capital | 33,554,000 | 32,743,000 | 30,910,000 | 18,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,210,000 | 8,080,000 | 11,808,000 | 15,434,000 |
| Interest expense | 868,000 | 1,589,000 | 2,231,000 | 2,821,000 |
| Net interest income | 3,342,000 | 6,491,000 | 9,577,000 | 12,613,000 |
| Noninterest income | -329,000 | -1,650,000 | -1,669,000 | -3,014,000 |
| Noninterest expense | 2,458,000 | 5,015,000 | 7,966,000 | 14,248,000 |
| Provision for loan losses | 200,000 | 725,000 | 3,225,000 | 11,721,000 |
| Pretax income | 667,000 | 162,000 | -2,222,000 | -14,652,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 667,000 | 162,000 | -2,222,000 | -14,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,644,000 | 27,171,000 | 24,858,000 | 16,602,000 |
| Total capital | 31,309,000 | 30,793,000 | 28,508,000 | 19,347,000 |
| Risk-weighted assets | 211,826,000 | 208,544,000 | 210,370,000 | 185,596,000 |