Call reports 2015
FNB BANK, INC. — 2015
What FNB BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 420,096,000 | 423,559,000 | 427,047,000 | 434,519,000 |
| Total loans | 278,905,000 | 283,039,000 | 289,985,000 | 292,031,000 |
| Allowance for loan losses | 5,276,000 | 5,361,000 | 5,268,000 | 5,495,000 |
| Securities available for sale | 101,388,000 | 96,978,000 | 93,919,000 | 93,086,000 |
| Securities held to maturity | 7,715,000 | 7,647,000 | 7,840,000 | 7,811,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,805,000 | 351,929,000 | 360,369,000 | 380,756,000 |
| Interest-bearing deposits | 269,881,000 | 258,990,000 | 269,832,000 | 280,870,000 |
| Noninterest-bearing deposits | 90,924,000 | 92,939,000 | 90,537,000 | 99,887,000 |
| Equity capital | 46,478,000 | 45,710,000 | 46,359,000 | 47,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,993,000 | 8,053,000 | 12,203,000 | 16,467,000 |
| Interest expense | 305,000 | 612,000 | 942,000 | 1,282,000 |
| Net interest income | 3,688,000 | 7,441,000 | 11,261,000 | 15,185,000 |
| Noninterest income | 629,000 | 1,340,000 | 2,079,000 | 2,806,000 |
| Noninterest expense | 2,505,000 | 5,096,000 | 7,912,000 | 11,305,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 1,628,000 | 3,306,000 | 4,855,000 | 5,917,000 |
| Income tax | 458,000 | 930,000 | 1,360,000 | 1,624,000 |
| Net income | 1,170,000 | 2,376,000 | 3,495,000 | 4,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,364,000 | 34,619,000 | 34,799,000 | 35,731,000 |
| Total capital | 38,123,000 | 38,395,000 | 38,620,000 | 39,592,000 |
| Risk-weighted assets | 298,996,000 | 300,514,000 | 304,233,000 | 307,234,000 |