Call reports 2006
FNB BANK, INC. — 2006
What FNB BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 142,169,000 | 138,496,000 | 139,972,000 | 143,903,000 |
| Total loans | 86,906,000 | 84,674,000 | 87,910,000 | 87,965,000 |
| Allowance for loan losses | 1,441,000 | 1,474,000 | 1,267,000 | 1,304,000 |
| Securities available for sale | 39,823,000 | 41,324,000 | 41,567,000 | 44,845,000 |
| Securities held to maturity | 3,983,000 | 3,909,000 | 3,760,000 | 3,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,677,000 | 118,655,000 | 117,742,000 | 121,953,000 |
| Interest-bearing deposits | 93,766,000 | 92,185,000 | 92,817,000 | 95,494,000 |
| Noninterest-bearing deposits | 29,911,000 | 26,470,000 | 24,925,000 | 26,460,000 |
| Equity capital | 12,507,000 | 12,665,000 | 13,310,000 | 13,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,873,000 | 3,834,000 | 5,843,000 | 7,984,000 |
| Interest expense | 608,000 | 1,292,000 | 2,049,000 | 2,909,000 |
| Net interest income | 1,265,000 | 2,542,000 | 3,794,000 | 5,075,000 |
| Noninterest income | 180,000 | 381,000 | 583,000 | 763,000 |
| Noninterest expense | 1,076,000 | 2,143,000 | 3,220,000 | 4,287,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 369,000 | 780,000 | 1,157,000 | 1,550,000 |
| Income tax | 95,000 | 204,000 | 294,000 | 326,000 |
| Net income | 274,000 | 576,000 | 863,000 | 1,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,071,000 | 13,373,000 | 13,661,000 | 14,022,000 |
| Total capital | 14,174,000 | 14,453,000 | 14,772,000 | 15,142,000 |
| Risk-weighted assets | 87,865,000 | 86,004,000 | 88,701,000 | 89,417,000 |