Call reports 2002
FNB FINANCIAL — 2002
What FNB FINANCIAL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 141,111,000 | 136,322,000 | 140,897,000 | 140,263,000 |
| Total loans | 87,671,000 | 88,050,000 | 85,856,000 | 86,691,000 |
| Allowance for loan losses | 1,196,000 | 1,187,000 | 1,484,000 | 1,218,000 |
| Securities available for sale | 34,154,000 | 34,984,000 | 35,529,000 | 41,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,746,000 | 115,718,000 | 119,976,000 | 118,724,000 |
| Interest-bearing deposits | 102,704,000 | 96,385,000 | 97,818,000 | 99,189,000 |
| Noninterest-bearing deposits | 19,042,000 | 19,333,000 | 22,158,000 | 19,535,000 |
| Equity capital | 10,914,000 | 11,364,000 | 11,584,000 | 11,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,136,000 | 4,276,000 | 6,290,000 | 8,277,000 |
| Interest expense | 789,000 | 1,470,000 | 2,135,000 | 2,759,000 |
| Net interest income | 1,347,000 | 2,806,000 | 4,155,000 | 5,518,000 |
| Noninterest income | 375,000 | 778,000 | 1,070,000 | 1,465,000 |
| Noninterest expense | 1,253,000 | 2,608,000 | 3,772,000 | 5,145,000 |
| Provision for loan losses | 144,000 | 240,000 | 581,000 | 702,000 |
| Pretax income | 338,000 | 740,000 | 876,000 | 1,140,000 |
| Income tax | 95,000 | 203,000 | 238,000 | 316,000 |
| Net income | 243,000 | 537,000 | 737,000 | 923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,796,000 | 10,982,000 | 11,057,000 | 11,135,000 |
| Total capital | 11,846,000 | 12,010,000 | 12,072,000 | 12,192,000 |
| Risk-weighted assets | 83,827,000 | 82,058,000 | 80,721,000 | 84,422,000 |