Call reports 2009
FNB BANK, INC. — 2009
What FNB BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 174,549,000 | 170,697,000 | 184,113,000 | 191,361,000 |
| Total loans | 117,342,000 | 122,327,000 | 130,865,000 | 130,296,000 |
| Allowance for loan losses | 1,899,000 | 1,952,000 | 2,003,000 | 1,998,000 |
| Securities available for sale | 27,827,000 | 26,583,000 | 31,944,000 | 33,068,000 |
| Securities held to maturity | 2,178,000 | 1,908,000 | 1,808,000 | 1,633,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,338,000 | 135,552,000 | 145,514,000 | 153,924,000 |
| Interest-bearing deposits | 108,791,000 | 104,762,000 | 111,759,000 | 119,926,000 |
| Noninterest-bearing deposits | 31,547,000 | 30,791,000 | 33,755,000 | 33,999,000 |
| Equity capital | 20,813,000 | 20,901,000 | 21,238,000 | 21,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,161,000 | 4,346,000 | 6,633,000 | 8,961,000 |
| Interest expense | 564,000 | 1,112,000 | 1,641,000 | 2,174,000 |
| Net interest income | 1,597,000 | 3,234,000 | 4,992,000 | 6,787,000 |
| Noninterest income | 262,000 | 562,000 | 888,000 | 851,000 |
| Noninterest expense | 1,285,000 | 2,777,000 | 4,182,000 | 5,642,000 |
| Provision for loan losses | 75,000 | 145,000 | 215,000 | 290,000 |
| Pretax income | 500,000 | 876,000 | 1,485,000 | 1,727,000 |
| Income tax | 131,000 | 228,000 | 416,000 | 134,000 |
| Net income | 369,000 | 648,000 | 1,069,000 | 1,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,247,000 | 13,380,000 | 13,554,000 | 13,767,000 |
| Total capital | 14,789,000 | 14,958,000 | 15,226,000 | 15,465,000 |
| Risk-weighted assets | 122,987,000 | 125,966,000 | 133,401,000 | 135,517,000 |