Call reports 2007
FNB BANK — 2007
What FNB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 150,985,000 | 150,768,000 | 153,369,000 | 152,813,000 |
| Total loans | 109,076,000 | 112,326,000 | 114,105,000 | 109,179,000 |
| Allowance for loan losses | 1,368,000 | 1,355,000 | 1,371,000 | 1,159,000 |
| Securities available for sale | 29,317,000 | 26,549,000 | 25,807,000 | 26,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,106,000 | 126,281,000 | 128,905,000 | 130,208,000 |
| Interest-bearing deposits | 110,953,000 | 112,105,000 | 113,659,000 | 111,901,000 |
| Noninterest-bearing deposits | 15,153,000 | 14,176,000 | 15,246,000 | 18,307,000 |
| Equity capital | 17,379,000 | 17,585,000 | 18,039,000 | 18,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,224,000 | 4,578,000 | 6,991,000 | 9,361,000 |
| Interest expense | 1,006,000 | 2,088,000 | 3,191,000 | 4,252,000 |
| Net interest income | 1,218,000 | 2,490,000 | 3,800,000 | 5,109,000 |
| Noninterest income | 123,000 | 400,000 | 686,000 | 989,000 |
| Noninterest expense | 1,016,000 | 2,031,000 | 3,066,000 | 4,203,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 260,000 |
| Pretax income | 310,000 | 829,000 | 1,374,000 | 1,634,000 |
| Income tax | 142,000 | 290,000 | 465,000 | 523,000 |
| Net income | 168,000 | 539,000 | 909,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,864,000 | 13,197,000 | 13,509,000 | 13,572,000 |
| Total capital | 14,232,000 | 14,552,000 | 14,880,000 | 14,731,000 |
| Risk-weighted assets | 114,248,000 | 117,373,000 | 120,451,000 | 115,708,000 |