Call reports 2016
FNB BANK, INC. — 2016
What FNB BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 432,467,000 | 437,754,000 | 443,468,000 | 452,041,000 |
| Total loans | 288,325,000 | 294,197,000 | 304,052,000 | 316,241,000 |
| Allowance for loan losses | 5,642,000 | 5,783,000 | 5,959,000 | 5,950,000 |
| Securities available for sale | 102,715,000 | 103,892,000 | 100,574,000 | 93,876,000 |
| Securities held to maturity | 7,293,000 | 7,701,000 | 7,671,000 | 10,168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,620,000 | 365,352,000 | 367,346,000 | 372,433,000 |
| Interest-bearing deposits | 276,223,000 | 267,667,000 | 264,698,000 | 273,564,000 |
| Noninterest-bearing deposits | 103,397,000 | 97,685,000 | 102,648,000 | 98,868,000 |
| Equity capital | 48,406,000 | 50,056,000 | 50,327,000 | 49,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,117,000 | 8,295,000 | 12,621,000 | 17,095,000 |
| Interest expense | 349,000 | 708,000 | 1,099,000 | 1,515,000 |
| Net interest income | 3,768,000 | 7,587,000 | 11,522,000 | 15,580,000 |
| Noninterest income | 650,000 | 1,476,000 | 2,214,000 | 2,974,000 |
| Noninterest expense | 2,723,000 | 5,579,000 | 8,526,000 | 11,280,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 495,000 |
| Pretax income | 1,529,000 | 3,153,000 | 4,713,000 | 6,777,000 |
| Income tax | 446,000 | 866,000 | 1,289,000 | 1,884,000 |
| Net income | 1,083,000 | 2,287,000 | 3,424,000 | 4,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,514,000 | 37,314,000 | 37,995,000 | 38,809,000 |
| Total capital | 40,321,000 | 41,167,000 | 41,952,000 | 42,919,000 |
| Risk-weighted assets | 302,697,000 | 306,347,000 | 314,565,000 | 326,977,000 |