Call reports 2002
FNB BANK, INC. — 2002
What FNB BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 165,615,000 | 167,520,000 | 161,490,000 | 164,538,000 |
| Total loans | 121,283,000 | 121,339,000 | 117,398,000 | 109,591,000 |
| Allowance for loan losses | 1,249,000 | 1,615,000 | 1,544,000 | 1,827,000 |
| Securities available for sale | 26,238,000 | 26,941,000 | 30,735,000 | 39,396,000 |
| Securities held to maturity | 4,694,000 | 4,604,000 | 4,505,000 | 5,251,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,160,000 | 149,981,000 | 146,544,000 | 149,511,000 |
| Interest-bearing deposits | 127,307,000 | 128,433,000 | 126,756,000 | 128,858,000 |
| Noninterest-bearing deposits | 18,853,000 | 21,548,000 | 19,788,000 | 20,653,000 |
| Equity capital | 13,524,000 | 13,605,000 | 13,991,000 | 14,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,662,000 | 5,278,000 | 7,779,000 | 10,159,000 |
| Interest expense | 1,173,000 | 2,291,000 | 3,373,000 | 4,293,000 |
| Net interest income | 1,489,000 | 2,987,000 | 4,406,000 | 5,866,000 |
| Noninterest income | 137,000 | 319,000 | 460,000 | 676,000 |
| Noninterest expense | 942,000 | 1,922,000 | 2,995,000 | 3,980,000 |
| Provision for loan losses | 400,000 | 1,225,000 | 1,375,000 | 1,893,000 |
| Pretax income | 284,000 | 159,000 | 496,000 | 671,000 |
| Income tax | 86,000 | 16,000 | 124,000 | 199,000 |
| Net income | 198,000 | 143,000 | 372,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,365,000 | 13,310,000 | 13,539,000 | 13,638,000 |
| Total capital | 14,614,000 | 14,846,000 | 15,014,000 | 15,036,000 |
| Risk-weighted assets | 122,999,000 | 122,762,000 | 117,895,000 | 111,419,000 |