Call reports 2025
FNB BANK — 2025
What FNB BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 251,506,000 | 260,285,000 | 258,928,000 | 272,944,000 |
| Total loans | 177,810,000 | 189,112,000 | 187,106,000 | 190,841,000 |
| Allowance for loan losses | 2,620,000 | 2,738,000 | 2,736,000 | 3,412,000 |
| Securities available for sale | 54,065,000 | 51,291,000 | 50,764,000 | 55,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,379,000 | 211,222,000 | 215,958,000 | 237,531,000 |
| Interest-bearing deposits | 170,276,000 | 164,044,000 | 166,387,000 | 183,582,000 |
| Noninterest-bearing deposits | 48,103,000 | 47,178,000 | 49,571,000 | 53,949,000 |
| Equity capital | 22,006,000 | 23,015,000 | 24,547,000 | 22,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,505,000 | 7,113,000 | 10,814,000 | 14,362,000 |
| Interest expense | 857,000 | 1,764,000 | 2,745,000 | 3,618,000 |
| Net interest income | 2,648,000 | 5,349,000 | 8,069,000 | 10,744,000 |
| Noninterest income | 199,000 | 395,000 | 620,000 | 890,000 |
| Noninterest expense | 2,067,000 | 4,243,000 | 6,423,000 | 8,540,000 |
| Provision for loan losses | 0 | 176,000 | 174,000 | 1,054,000 |
| Pretax income | 763,000 | 1,287,000 | 2,074,000 | 2,039,000 |
| Income tax | 10,000 | 25,000 | 40,000 | 55,000 |
| Net income | 753,000 | 1,262,000 | 2,034,000 | 1,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,284,000 | 28,794,000 | 29,566,000 | 27,116,000 |
| Total capital | 30,762,000 | 31,422,000 | 32,197,000 | 29,846,000 |
| Risk-weighted assets | 198,068,000 | 210,148,000 | 210,397,000 | 217,718,000 |