Call reports 2003
FNB FINANCIAL — 2003
What FNB FINANCIAL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 140,359,000 | 139,826,000 | 138,332,000 | 136,181,000 |
| Total loans | 83,484,000 | 82,449,000 | 89,809,000 | 89,166,000 |
| Allowance for loan losses | 1,219,000 | 1,048,000 | 1,140,000 | 1,111,000 |
| Securities available for sale | 43,900,000 | 44,375,000 | 37,997,000 | 35,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,248,000 | 118,377,000 | 117,799,000 | 115,538,000 |
| Interest-bearing deposits | 97,627,000 | 98,941,000 | 98,046,000 | 97,257,000 |
| Noninterest-bearing deposits | 21,621,000 | 19,436,000 | 19,753,000 | 18,281,000 |
| Equity capital | 11,666,000 | 12,017,000 | 11,673,000 | 11,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,822,000 | 3,548,000 | 5,293,000 | 6,980,000 |
| Interest expense | 571,000 | 1,096,000 | 1,586,000 | 2,045,000 |
| Net interest income | 1,251,000 | 2,452,000 | 3,707,000 | 4,935,000 |
| Noninterest income | 474,000 | 1,045,000 | 1,624,000 | 2,487,000 |
| Noninterest expense | 1,312,000 | 2,643,000 | 3,977,000 | 5,476,000 |
| Provision for loan losses | 119,000 | 238,000 | 356,000 | 520,000 |
| Pretax income | 333,000 | 655,000 | 1,056,000 | 1,478,000 |
| Income tax | 97,000 | 197,000 | 314,000 | 359,000 |
| Net income | 236,000 | 458,000 | 742,000 | 1,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,252,000 | 11,337,000 | 11,441,000 | 11,633,000 |
| Total capital | 12,293,000 | 12,385,000 | 12,581,000 | 12,744,000 |
| Risk-weighted assets | 83,091,000 | 83,879,000 | 91,401,000 | 91,415,000 |