Call reports 2003
FNB BANK — 2003
What FNB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 102,564,000 | 105,177,000 | 104,794,000 | 102,642,000 |
| Total loans | 63,431,000 | 64,155,000 | 63,354,000 | 62,182,000 |
| Allowance for loan losses | 951,000 | 1,025,000 | 1,035,000 | 982,000 |
| Securities available for sale | 27,721,000 | 30,394,000 | 27,824,000 | 31,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,515,000 | 94,025,000 | 93,685,000 | 93,164,000 |
| Interest-bearing deposits | 85,631,000 | 86,313,000 | 87,103,000 | 84,480,000 |
| Noninterest-bearing deposits | 5,884,000 | 7,712,000 | 6,582,000 | 8,684,000 |
| Equity capital | 10,607,000 | 10,570,000 | 10,572,000 | 8,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,404,000 | 2,829,000 | 4,251,000 | 5,677,000 |
| Interest expense | 639,000 | 1,266,000 | 1,859,000 | 2,406,000 |
| Net interest income | 765,000 | 1,563,000 | 2,392,000 | 3,271,000 |
| Noninterest income | 153,000 | 292,000 | 448,000 | 539,000 |
| Noninterest expense | 580,000 | 1,155,000 | 1,747,000 | 2,348,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 263,000 | 550,000 | 862,000 | 1,156,000 |
| Income tax | 61,000 | 130,000 | 211,000 | 277,000 |
| Net income | 202,000 | 420,000 | 651,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,113,000 | 7,952,000 | 8,185,000 | 6,512,000 |
| Total capital | 9,010,000 | 8,899,000 | 9,141,000 | 7,446,000 |
| Risk-weighted assets | 71,698,000 | 75,654,000 | 76,451,000 | 74,673,000 |