Call reports 2004
FNB BANK, INC. — 2004
What FNB BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 140,254,000 | 136,615,000 | 133,849,000 | 135,243,000 |
| Total loans | 80,855,000 | 79,617,000 | 78,550,000 | 78,880,000 |
| Allowance for loan losses | 2,558,000 | 1,672,000 | 1,648,000 | 1,250,000 |
| Securities available for sale | 48,954,000 | 43,875,000 | 43,113,000 | 43,182,000 |
| Securities held to maturity | 5,429,000 | 5,220,000 | 5,181,000 | 5,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,246,000 | 123,044,000 | 118,226,000 | 120,940,000 |
| Interest-bearing deposits | 100,754,000 | 96,204,000 | 91,476,000 | 94,080,000 |
| Noninterest-bearing deposits | 24,492,000 | 26,841,000 | 26,751,000 | 26,860,000 |
| Equity capital | 13,537,000 | 12,968,000 | 13,704,000 | 13,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,639,000 | 3,241,000 | 4,821,000 | 6,415,000 |
| Interest expense | 456,000 | 878,000 | 1,290,000 | 1,704,000 |
| Net interest income | 1,183,000 | 2,363,000 | 3,531,000 | 4,711,000 |
| Noninterest income | 196,000 | 330,000 | 521,000 | 678,000 |
| Noninterest expense | 1,064,000 | 2,095,000 | 3,185,000 | 4,352,000 |
| Provision for loan losses | 0 | 0 | 0 | 87,000 |
| Pretax income | 454,000 | 758,000 | 1,038,000 | 1,121,000 |
| Income tax | 135,000 | 217,000 | 276,000 | 107,000 |
| Net income | 319,000 | 541,000 | 762,000 | 1,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,450,000 | 13,671,000 | 13,893,000 | 14,144,000 |
| Total capital | 14,556,000 | 14,756,000 | 14,924,000 | 15,180,000 |
| Risk-weighted assets | 87,032,000 | 86,439,000 | 81,828,000 | 82,647,000 |