Call reports 2004
FNB FINANCIAL — 2004
What FNB FINANCIAL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 139,839,000 | 143,917,000 | 143,188,000 | 143,452,000 |
| Total loans | 88,050,000 | 93,844,000 | 94,884,000 | 95,280,000 |
| Allowance for loan losses | 1,101,000 | 1,176,000 | 1,167,000 | 1,186,000 |
| Securities available for sale | 42,024,000 | 37,352,000 | 35,058,000 | 32,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,245,000 | 115,077,000 | 116,763,000 | 116,984,000 |
| Interest-bearing deposits | 94,130,000 | 96,342,000 | 97,055,000 | 96,713,000 |
| Noninterest-bearing deposits | 19,115,000 | 18,735,000 | 19,708,000 | 20,271,000 |
| Equity capital | 12,239,000 | 11,737,000 | 12,633,000 | 12,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,666,000 | 3,323,000 | 5,086,000 | 6,921,000 |
| Interest expense | 453,000 | 954,000 | 1,501,000 | 2,061,000 |
| Net interest income | 1,213,000 | 2,369,000 | 3,585,000 | 4,860,000 |
| Noninterest income | 589,000 | 1,223,000 | 2,421,000 | 3,073,000 |
| Noninterest expense | 1,397,000 | 2,756,000 | 4,270,000 | 5,742,000 |
| Provision for loan losses | 70,000 | 100,000 | 145,000 | 375,000 |
| Pretax income | 361,000 | 760,000 | 1,580,000 | 1,789,000 |
| Income tax | 79,000 | 153,000 | 388,000 | 401,000 |
| Net income | 282,000 | 607,000 | 1,192,000 | 1,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,796,000 | 11,973,000 | 12,441,000 | 12,053,000 |
| Total capital | 12,897,000 | 13,149,000 | 13,608,000 | 13,239,000 |
| Risk-weighted assets | 90,900,000 | 99,163,000 | 99,070,000 | 99,760,000 |