Call reports 2004
FNB BANK — 2004
What FNB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 104,684,000 | 149,304,000 | 147,239,000 | 147,149,000 |
| Total loans | 61,754,000 | 103,668,000 | 103,886,000 | 99,618,000 |
| Allowance for loan losses | 1,090,000 | 1,412,000 | 1,259,000 | 1,323,000 |
| Securities available for sale | 31,382,000 | 34,144,000 | 30,436,000 | 30,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,848,000 | 126,311,000 | 122,166,000 | 125,110,000 |
| Interest-bearing deposits | 87,706,000 | 114,410,000 | 110,548,000 | 109,666,000 |
| Noninterest-bearing deposits | 7,142,000 | 11,901,000 | 11,618,000 | 15,444,000 |
| Equity capital | 9,225,000 | 14,761,000 | 15,285,000 | 15,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,439,000 | 4,190,000 | 6,249,000 | 8,237,000 |
| Interest expense | 511,000 | 1,418,000 | 2,079,000 | 2,729,000 |
| Net interest income | 928,000 | 2,772,000 | 4,170,000 | 5,508,000 |
| Noninterest income | 178,000 | 446,000 | 736,000 | 940,000 |
| Noninterest expense | 650,000 | 2,113,000 | 3,138,000 | 4,206,000 |
| Provision for loan losses | 75,000 | 192,000 | 237,000 | 282,000 |
| Pretax income | 381,000 | 913,000 | 1,528,000 | 1,957,000 |
| Income tax | 104,000 | 274,000 | 452,000 | 574,000 |
| Net income | 277,000 | 639,000 | 1,076,000 | 1,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,711,000 | 10,145,000 | 10,544,000 | 10,532,000 |
| Total capital | 7,644,000 | 11,557,000 | 11,803,000 | 11,855,000 |
| Risk-weighted assets | 74,471,000 | 113,019,000 | 112,756,000 | 109,433,000 |