Call reports 2014
FNB BANK, INC. — 2014
What FNB BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 398,115,000 | 408,991,000 | 420,251,000 | 419,880,000 |
| Total loans | 249,815,000 | 262,474,000 | 278,445,000 | 279,774,000 |
| Allowance for loan losses | 4,681,000 | 4,866,000 | 4,904,000 | 5,077,000 |
| Securities available for sale | 105,839,000 | 105,423,000 | 100,641,000 | 97,036,000 |
| Securities held to maturity | 5,835,000 | 6,889,000 | 7,767,000 | 7,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,550,000 | 330,022,000 | 335,716,000 | 362,312,000 |
| Interest-bearing deposits | 255,060,000 | 246,180,000 | 250,831,000 | 270,237,000 |
| Noninterest-bearing deposits | 86,491,000 | 83,842,000 | 84,885,000 | 92,075,000 |
| Equity capital | 44,069,000 | 44,545,000 | 45,160,000 | 45,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,781,000 | 7,617,000 | 11,628,000 | 15,701,000 |
| Interest expense | 300,000 | 596,000 | 915,000 | 1,236,000 |
| Net interest income | 3,481,000 | 7,021,000 | 10,713,000 | 14,465,000 |
| Noninterest income | 594,000 | 1,271,000 | 1,904,000 | 2,608,000 |
| Noninterest expense | 2,452,000 | 4,953,000 | 7,522,000 | 10,128,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 1,364,000 | 2,884,000 | 4,396,000 | 6,047,000 |
| Income tax | 364,000 | 787,000 | 1,206,000 | 1,672,000 |
| Net income | 1,000,000 | 2,097,000 | 3,190,000 | 4,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,523,000 | 31,597,000 | 32,166,000 | 32,609,000 |
| Total capital | 34,846,000 | 35,073,000 | 35,855,000 | 36,289,000 |
| Risk-weighted assets | 264,490,000 | 276,687,000 | 293,889,000 | 292,970,000 |