Call reports 2010
FNB BANK, INC. — 2010
What FNB BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 195,693,000 | 196,110,000 | 331,721,000 | 338,550,000 |
| Total loans | 129,540,000 | 130,416,000 | 212,255,000 | 216,478,000 |
| Allowance for loan losses | 2,031,000 | 2,076,000 | 2,402,000 | 2,361,000 |
| Securities available for sale | 40,729,000 | 43,688,000 | 50,369,000 | 88,865,000 |
| Securities held to maturity | 1,464,000 | 1,305,000 | 2,155,000 | 3,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,052,000 | 159,675,000 | 273,242,000 | 276,785,000 |
| Interest-bearing deposits | 124,692,000 | 123,739,000 | 212,982,000 | 215,880,000 |
| Noninterest-bearing deposits | 35,360,000 | 35,935,000 | 60,260,000 | 60,904,000 |
| Equity capital | 21,575,000 | 21,942,000 | 43,260,000 | 41,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,255,000 | 4,578,000 | 6,991,000 | 10,585,000 |
| Interest expense | 494,000 | 985,000 | 1,462,000 | 2,071,000 |
| Net interest income | 1,761,000 | 3,593,000 | 5,529,000 | 8,514,000 |
| Noninterest income | 258,000 | 580,000 | 916,000 | 1,527,000 |
| Noninterest expense | 1,345,000 | 2,830,000 | 4,567,000 | 6,864,000 |
| Provision for loan losses | 75,000 | 150,000 | 475,000 | 625,000 |
| Pretax income | 599,000 | 1,194,000 | 1,404,000 | 2,553,000 |
| Income tax | 152,000 | 302,000 | 343,000 | 703,000 |
| Net income | 447,000 | 892,000 | 1,061,000 | 1,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,974,000 | 14,233,000 | 27,765,000 | 28,641,000 |
| Total capital | 15,683,000 | 15,965,000 | 30,167,000 | 31,002,000 |
| Risk-weighted assets | 135,910,000 | 138,229,000 | 220,880,000 | 235,946,000 |