Call reports 2008
FNB FINANCIAL — 2008
What FNB FINANCIAL reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 154,385,000 | 146,795,000 | 156,062,000 | 156,016,000 |
| Total loans | 73,877,000 | 77,071,000 | 81,778,000 | 82,223,000 |
| Allowance for loan losses | 1,470,000 | 1,774,000 | 1,957,000 | 3,394,000 |
| Securities available for sale | 36,075,000 | 33,048,000 | 39,985,000 | 31,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,236,000 | 114,293,000 | 123,299,000 | 124,408,000 |
| Interest-bearing deposits | 104,083,000 | 98,603,000 | 108,962,000 | 107,935,000 |
| Noninterest-bearing deposits | 18,153,000 | 15,690,000 | 14,337,000 | 16,473,000 |
| Equity capital | 27,091,000 | 26,438,000 | 26,673,000 | 26,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,968,000 | 3,625,000 | 5,328,000 | 6,965,000 |
| Interest expense | 675,000 | 1,205,000 | 1,731,000 | 2,254,000 |
| Net interest income | 1,293,000 | 2,420,000 | 3,597,000 | 4,711,000 |
| Noninterest income | 607,000 | 1,145,000 | 1,730,000 | 2,250,000 |
| Noninterest expense | 1,513,000 | 3,033,000 | 4,487,000 | 5,818,000 |
| Provision for loan losses | 50,000 | 475,000 | 675,000 | 2,325,000 |
| Pretax income | 337,000 | 62,000 | 169,000 | -1,177,000 |
| Income tax | 72,000 | -62,000 | -65,000 | -596,000 |
| Net income | 265,000 | 124,000 | 234,000 | -581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,767,000 | 10,665,000 | 10,868,000 | 11,071,000 |
| Total capital | 11,880,000 | 11,788,000 | 12,057,000 | 12,263,000 |
| Risk-weighted assets | 88,694,000 | 89,226,000 | 94,313,000 | 93,195,000 |