Call reports 2008
FNB BANK, INC. — 2008
What FNB BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 157,907,000 | 157,142,000 | 162,592,000 | 174,037,000 |
| Total loans | 106,910,000 | 112,361,000 | 118,205,000 | 123,809,000 |
| Allowance for loan losses | 1,482,000 | 1,552,000 | 1,597,000 | 1,806,000 |
| Securities available for sale | 30,482,000 | 24,948,000 | 25,554,000 | 27,569,000 |
| Securities held to maturity | 2,802,000 | 2,702,000 | 2,352,000 | 2,178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,364,000 | 126,738,000 | 125,450,000 | 133,251,000 |
| Interest-bearing deposits | 99,490,000 | 95,055,000 | 95,929,000 | 101,297,000 |
| Noninterest-bearing deposits | 32,875,000 | 31,684,000 | 29,521,000 | 31,954,000 |
| Equity capital | 20,985,000 | 19,981,000 | 19,997,000 | 20,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,260,000 | 4,493,000 | 6,736,000 | 8,997,000 |
| Interest expense | 802,000 | 1,441,000 | 2,067,000 | 2,693,000 |
| Net interest income | 1,458,000 | 3,052,000 | 4,669,000 | 6,304,000 |
| Noninterest income | 234,000 | 448,000 | 736,000 | 993,000 |
| Noninterest expense | 1,198,000 | 2,391,000 | 3,711,000 | 5,081,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 395,000 |
| Pretax income | 653,000 | 1,222,000 | 1,749,000 | 2,056,000 |
| Income tax | 159,000 | 307,000 | 440,000 | 575,000 |
| Net income | 494,000 | 915,000 | 1,309,000 | 1,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,136,000 | 12,610,000 | 12,634,000 | 12,827,000 |
| Total capital | 14,507,000 | 14,009,000 | 14,100,000 | 14,369,000 |
| Risk-weighted assets | 109,564,000 | 111,727,000 | 117,126,000 | 123,097,000 |