Call reports 2005
FNB FINANCIAL — 2005
What FNB FINANCIAL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 141,372,000 | 140,902,000 | 143,864,000 | 145,758,000 |
| Total loans | 94,588,000 | 95,513,000 | 100,195,000 | 103,395,000 |
| Allowance for loan losses | 1,242,000 | 1,284,000 | 1,336,000 | 1,217,000 |
| Securities available for sale | 34,185,000 | 34,206,000 | 31,698,000 | 29,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,359,000 | 115,440,000 | 116,907,000 | 120,091,000 |
| Interest-bearing deposits | 98,301,000 | 96,086,000 | 97,644,000 | 99,218,000 |
| Noninterest-bearing deposits | 18,058,000 | 19,354,000 | 19,263,000 | 20,873,000 |
| Equity capital | 11,947,000 | 12,256,000 | 12,323,000 | 12,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,792,000 | 3,677,000 | 5,681,000 | 7,761,000 |
| Interest expense | 576,000 | 1,165,000 | 1,808,000 | 2,486,000 |
| Net interest income | 1,216,000 | 2,512,000 | 3,873,000 | 5,275,000 |
| Noninterest income | 564,000 | 1,232,000 | 1,859,000 | 2,451,000 |
| Noninterest expense | 1,434,000 | 2,917,000 | 4,398,000 | 6,693,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 285,000 |
| Pretax income | 286,000 | 707,000 | 1,156,000 | 750,000 |
| Income tax | 56,000 | 164,000 | 270,000 | 112,000 |
| Net income | 230,000 | 543,000 | 886,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,139,000 | 12,288,000 | 12,449,000 | 12,406,000 |
| Total capital | 13,381,000 | 13,548,000 | 13,770,000 | 13,623,000 |
| Risk-weighted assets | 99,581,000 | 100,739,000 | 105,675,000 | 108,563,000 |