Call reports 2006
FNB BANK — 2006
What FNB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 147,070,000 | 150,050,000 | 152,138,000 | 149,115,000 |
| Total loans | 102,819,000 | 107,287,000 | 108,803,000 | 105,465,000 |
| Allowance for loan losses | 1,439,000 | 1,385,000 | 1,344,000 | 1,330,000 |
| Securities available for sale | 32,553,000 | 29,005,000 | 29,099,000 | 29,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,048,000 | 120,551,000 | 121,100,000 | 123,297,000 |
| Interest-bearing deposits | 108,816,000 | 107,547,000 | 107,405,000 | 107,694,000 |
| Noninterest-bearing deposits | 14,232,000 | 13,004,000 | 13,695,000 | 15,603,000 |
| Equity capital | 17,339,000 | 17,492,000 | 17,945,000 | 18,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,045,000 | 4,210,000 | 6,474,000 | 8,733,000 |
| Interest expense | 805,000 | 1,724,000 | 2,744,000 | 3,741,000 |
| Net interest income | 1,240,000 | 2,486,000 | 3,730,000 | 4,992,000 |
| Noninterest income | 290,000 | 553,000 | 804,000 | 1,043,000 |
| Noninterest expense | 1,051,000 | 2,066,000 | 3,115,000 | 4,148,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 464,000 | 955,000 | 1,395,000 | 1,863,000 |
| Income tax | 139,000 | 292,000 | 399,000 | 557,000 |
| Net income | 325,000 | 663,000 | 996,000 | 1,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,958,000 | 13,308,000 | 13,454,000 | 13,775,000 |
| Total capital | 14,320,000 | 14,693,000 | 14,798,000 | 15,105,000 |
| Risk-weighted assets | 108,865,000 | 112,943,000 | 114,271,000 | 111,986,000 |