Call reports 2006
FNB FINANCIAL — 2006
What FNB FINANCIAL reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 145,432,000 | 144,177,000 | 145,779,000 | 151,317,000 |
| Total loans | 103,133,000 | 97,490,000 | 98,437,000 | 93,774,000 |
| Allowance for loan losses | 1,193,000 | 1,324,000 | 1,400,000 | 1,267,000 |
| Securities available for sale | 29,327,000 | 29,770,000 | 33,234,000 | 40,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,908,000 | 121,448,000 | 122,031,000 | 129,670,000 |
| Interest-bearing deposits | 106,100,000 | 103,813,000 | 104,746,000 | 111,461,000 |
| Noninterest-bearing deposits | 16,808,000 | 17,635,000 | 17,285,000 | 18,209,000 |
| Equity capital | 12,214,000 | 12,256,000 | 12,629,000 | 12,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,148,000 | 4,338,000 | 6,542,000 | 8,762,000 |
| Interest expense | 748,000 | 1,536,000 | 2,394,000 | 3,302,000 |
| Net interest income | 1,400,000 | 2,802,000 | 4,148,000 | 5,460,000 |
| Noninterest income | 626,000 | 1,314,000 | 1,941,000 | 2,524,000 |
| Noninterest expense | 1,440,000 | 2,907,000 | 4,416,000 | 5,853,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 1,195,000 |
| Pretax income | 466,000 | 969,000 | 1,313,000 | 942,000 |
| Income tax | 119,000 | 253,000 | 318,000 | 146,000 |
| Net income | 347,000 | 716,000 | 995,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,546,000 | 12,684,000 | 12,806,000 | 12,431,000 |
| Total capital | 13,739,000 | 13,999,000 | 14,164,000 | 13,698,000 |
| Risk-weighted assets | 109,257,000 | 105,180,000 | 108,650,000 | 107,419,000 |