Call reports 2007
FNB BANK, INC. — 2007
What FNB BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 142,756,000 | 170,161,000 | 154,229,000 | 156,175,000 |
| Total loans | 88,426,000 | 86,380,000 | 88,637,000 | 96,841,000 |
| Allowance for loan losses | 1,339,000 | 1,283,000 | 1,293,000 | 1,396,000 |
| Securities available for sale | 43,041,000 | 41,435,000 | 39,852,000 | 39,826,000 |
| Securities held to maturity | 3,340,000 | 3,123,000 | 3,027,000 | 2,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,930,000 | 144,445,000 | 127,062,000 | 127,982,000 |
| Interest-bearing deposits | 94,071,000 | 94,765,000 | 98,298,000 | 99,266,000 |
| Noninterest-bearing deposits | 29,859,000 | 49,680,000 | 28,763,000 | 28,717,000 |
| Equity capital | 14,158,000 | 19,730,000 | 20,309,000 | 20,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,101,000 | 0 | 2,280,000 | 4,570,000 |
| Interest expense | 820,000 | 0 | 925,000 | 1,851,000 |
| Net interest income | 1,281,000 | 0 | 1,355,000 | 2,719,000 |
| Noninterest income | 182,000 | 0 | 242,000 | 506,000 |
| Noninterest expense | 995,000 | 0 | 1,063,000 | 2,216,000 |
| Provision for loan losses | 0 | 0 | 0 | 125,000 |
| Pretax income | 468,000 | 0 | 534,000 | 884,000 |
| Income tax | 120,000 | 0 | 114,000 | 259,000 |
| Net income | 348,000 | 0 | 420,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,370,000 | 12,241,000 | 12,715,000 | 12,589,000 |
| Total capital | 15,498,000 | 13,413,000 | 13,873,000 | 13,829,000 |
| Risk-weighted assets | 90,043,000 | 93,662,000 | 92,530,000 | 99,028,000 |