Call reports 2013
FNB BANK, INC. — 2013
What FNB BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 395,470,000 | 398,709,000 | 403,567,000 | 409,107,000 |
| Total loans | 235,392,000 | 248,854,000 | 253,281,000 | 261,265,000 |
| Allowance for loan losses | 4,046,000 | 4,272,000 | 4,473,000 | 4,592,000 |
| Securities available for sale | 113,504,000 | 110,417,000 | 105,953,000 | 103,058,000 |
| Securities held to maturity | 4,896,000 | 6,027,000 | 5,941,000 | 5,843,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,457,000 | 332,280,000 | 328,360,000 | 337,436,000 |
| Interest-bearing deposits | 248,509,000 | 251,889,000 | 246,922,000 | 253,964,000 |
| Noninterest-bearing deposits | 88,949,000 | 80,392,000 | 81,439,000 | 83,473,000 |
| Equity capital | 45,598,000 | 43,919,000 | 43,538,000 | 43,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,696,000 | 7,507,000 | 11,344,000 | 15,265,000 |
| Interest expense | 370,000 | 723,000 | 1,048,000 | 1,370,000 |
| Net interest income | 3,326,000 | 6,784,000 | 10,296,000 | 13,895,000 |
| Noninterest income | 582,000 | 1,187,000 | 1,875,000 | 2,582,000 |
| Noninterest expense | 2,308,000 | 4,657,000 | 7,113,000 | 9,732,000 |
| Provision for loan losses | 195,000 | 420,000 | 645,000 | 870,000 |
| Pretax income | 1,405,000 | 2,892,000 | 4,408,000 | 5,870,000 |
| Income tax | 361,000 | 751,000 | 1,163,000 | 1,558,000 |
| Net income | 1,044,000 | 2,141,000 | 3,245,000 | 4,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,370,000 | 30,743,000 | 31,025,000 | 31,420,000 |
| Total capital | 33,599,000 | 34,145,000 | 34,406,000 | 34,896,000 |
| Risk-weighted assets | 257,628,000 | 271,250,000 | 269,422,000 | 276,956,000 |