Call reports 2007
FNB FINANCIAL — 2007
What FNB FINANCIAL reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 150,859,000 | 145,291,000 | 141,005,000 | 158,674,000 |
| Total loans | 90,153,000 | 87,717,000 | 82,816,000 | 77,209,000 |
| Allowance for loan losses | 1,310,000 | 1,388,000 | 1,538,000 | 1,462,000 |
| Securities available for sale | 43,087,000 | 39,565,000 | 40,021,000 | 37,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,713,000 | 123,099,000 | 122,704,000 | 126,123,000 |
| Interest-bearing deposits | 110,079,000 | 105,515,000 | 106,710,000 | 108,876,000 |
| Noninterest-bearing deposits | 17,634,000 | 17,584,000 | 15,994,000 | 17,247,000 |
| Equity capital | 12,749,000 | 12,571,000 | 12,660,000 | 26,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,258,000 | 4,419,000 | 6,548,000 | 690,000 |
| Interest expense | 942,000 | 1,859,000 | 2,777,000 | 241,000 |
| Net interest income | 1,316,000 | 2,560,000 | 3,771,000 | 449,000 |
| Noninterest income | 590,000 | 1,276,000 | 1,814,000 | 174,000 |
| Noninterest expense | 1,475,000 | 3,121,000 | 4,694,000 | 455,000 |
| Provision for loan losses | 150,000 | 270,000 | 890,000 | 0 |
| Pretax income | 283,000 | 448,000 | 4,000 | 168,000 |
| Income tax | 45,000 | 41,000 | -153,000 | 23,000 |
| Net income | 238,000 | 407,000 | 157,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,768,000 | 12,914,000 | 12,666,000 | 10,515,000 |
| Total capital | 14,073,000 | 14,177,000 | 13,871,000 | 11,679,000 |
| Risk-weighted assets | 104,384,000 | 100,900,000 | 96,072,000 | 92,848,000 |