Call reports 2005
FNB BANK, INC. — 2005
What FNB BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 138,124,000 | 136,530,000 | 134,944,000 | 139,416,000 |
| Total loans | 81,679,000 | 82,593,000 | 82,657,000 | 85,805,000 |
| Allowance for loan losses | 1,291,000 | 1,287,000 | 1,393,000 | 1,400,000 |
| Securities available for sale | 40,310,000 | 42,527,000 | 41,183,000 | 41,189,000 |
| Securities held to maturity | 4,863,000 | 4,534,000 | 4,146,000 | 3,982,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,909,000 | 118,766,000 | 118,885,000 | 120,883,000 |
| Interest-bearing deposits | 95,080,000 | 91,992,000 | 90,896,000 | 92,934,000 |
| Noninterest-bearing deposits | 28,829,000 | 26,774,000 | 27,989,000 | 27,949,000 |
| Equity capital | 13,787,000 | 14,236,000 | 11,917,000 | 12,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,620,000 | 3,296,000 | 5,030,000 | 6,843,000 |
| Interest expense | 431,000 | 892,000 | 1,401,000 | 1,974,000 |
| Net interest income | 1,189,000 | 2,404,000 | 3,629,000 | 4,869,000 |
| Noninterest income | 187,000 | 366,000 | 565,000 | 753,000 |
| Noninterest expense | 977,000 | 2,002,000 | 3,049,000 | 4,291,000 |
| Provision for loan losses | 0 | 0 | 0 | -174,000 |
| Pretax income | 399,000 | 754,000 | 1,117,000 | 1,477,000 |
| Income tax | 115,000 | 180,000 | 262,000 | 142,000 |
| Net income | 284,000 | 574,000 | 855,000 | 1,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,429,000 | 14,537,000 | 12,317,000 | 12,798,000 |
| Total capital | 15,495,000 | 15,616,000 | 13,369,000 | 13,875,000 |
| Risk-weighted assets | 85,068,000 | 86,084,000 | 83,801,000 | 85,813,000 |