Call reports 2005
FNB BANK — 2005
What FNB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 145,005,000 | 146,541,000 | 146,167,000 | 145,436,000 |
| Total loans | 97,942,000 | 102,337,000 | 103,752,000 | 100,859,000 |
| Allowance for loan losses | 1,375,000 | 1,395,000 | 1,397,000 | 1,422,000 |
| Securities available for sale | 32,020,000 | 29,799,000 | 29,071,000 | 32,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,292,000 | 120,700,000 | 120,008,000 | 121,115,000 |
| Interest-bearing deposits | 111,546,000 | 107,259,000 | 106,437,000 | 106,314,000 |
| Noninterest-bearing deposits | 12,746,000 | 13,441,000 | 13,571,000 | 14,801,000 |
| Equity capital | 15,264,000 | 17,128,000 | 17,261,000 | 16,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,919,000 | 3,865,000 | 5,894,000 | 7,928,000 |
| Interest expense | 655,000 | 1,352,000 | 2,101,000 | 2,877,000 |
| Net interest income | 1,264,000 | 2,513,000 | 3,793,000 | 5,051,000 |
| Noninterest income | 251,000 | 499,000 | 818,000 | 1,050,000 |
| Noninterest expense | 1,013,000 | 1,996,000 | 3,050,000 | 4,117,000 |
| Provision for loan losses | 75,000 | 105,000 | 141,000 | 175,000 |
| Pretax income | 420,000 | 889,000 | 1,398,000 | 1,776,000 |
| Income tax | 121,000 | 270,000 | 416,000 | 514,000 |
| Net income | 299,000 | 619,000 | 982,000 | 1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,762,000 | 12,453,000 | 12,728,000 | 12,161,000 |
| Total capital | 12,063,000 | 13,790,000 | 14,083,000 | 13,509,000 |
| Risk-weighted assets | 103,973,000 | 106,939,000 | 108,320,000 | 107,749,000 |