Call reports 2015
FNB BANK — 2015
What FNB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 180,479,000 | 181,219,000 | 181,579,000 | 185,507,000 |
| Total loans | 84,292,000 | 91,433,000 | 94,474,000 | 96,276,000 |
| Allowance for loan losses | 2,317,000 | 1,995,000 | 1,997,000 | 2,000,000 |
| Securities available for sale | 85,775,000 | 81,218,000 | 77,763,000 | 79,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,482,000 | 139,706,000 | 134,492,000 | 143,698,000 |
| Interest-bearing deposits | 110,172,000 | 129,662,000 | 103,587,000 | 112,011,000 |
| Noninterest-bearing deposits | 34,310,000 | 10,044,000 | 30,905,000 | 31,687,000 |
| Equity capital | 25,374,000 | 25,729,000 | 26,585,000 | 24,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,494,000 | 3,129,000 | 4,804,000 | 6,522,000 |
| Interest expense | 98,000 | 183,000 | 275,000 | 367,000 |
| Net interest income | 1,396,000 | 2,946,000 | 4,529,000 | 6,155,000 |
| Noninterest income | 316,000 | 599,000 | 923,000 | 1,292,000 |
| Noninterest expense | 1,512,000 | 3,002,000 | 4,501,000 | 5,812,000 |
| Provision for loan losses | 0 | -650,000 | -650,000 | -1,375,000 |
| Pretax income | 200,000 | 1,212,000 | 1,620,000 | 3,029,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 200,000 | 1,212,000 | 1,620,000 | 3,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,915,000 | 24,931,000 | 25,342,000 | 23,804,000 |
| Total capital | 25,260,000 | 26,323,000 | 26,775,000 | 25,263,000 |
| Risk-weighted assets | 105,063,000 | 109,390,000 | 112,324,000 | 114,358,000 |