Call reports 2008
FNB BANK — 2008
What FNB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 159,385,000 | 158,130,000 | 158,453,000 | 159,874,000 |
| Total loans | 111,592,000 | 116,251,000 | 115,041,000 | 113,290,000 |
| Allowance for loan losses | 1,142,000 | 1,132,000 | 1,226,000 | 1,254,000 |
| Securities available for sale | 29,706,000 | 29,572,000 | 29,346,000 | 33,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,322,000 | 135,439,000 | 135,594,000 | 134,986,000 |
| Interest-bearing deposits | 118,939,000 | 118,264,000 | 119,065,000 | 115,871,000 |
| Noninterest-bearing deposits | 17,383,000 | 17,175,000 | 16,529,000 | 19,115,000 |
| Equity capital | 18,476,000 | 18,526,000 | 18,950,000 | 19,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,318,000 | 4,619,000 | 6,919,000 | 9,179,000 |
| Interest expense | 995,000 | 1,873,000 | 2,741,000 | 3,561,000 |
| Net interest income | 1,323,000 | 2,746,000 | 4,178,000 | 5,618,000 |
| Noninterest income | 260,000 | 328,000 | 742,000 | 995,000 |
| Noninterest expense | 1,080,000 | 2,111,000 | 3,201,000 | 4,407,000 |
| Provision for loan losses | 15,000 | 30,000 | 165,000 | 337,000 |
| Pretax income | 534,000 | 979,000 | 1,600,000 | 1,915,000 |
| Income tax | 165,000 | 306,000 | 512,000 | 600,000 |
| Net income | 369,000 | 673,000 | 1,088,000 | 1,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,703,000 | 14,019,000 | 14,446,000 | 14,585,000 |
| Total capital | 14,845,000 | 15,151,000 | 15,672,000 | 15,839,000 |
| Risk-weighted assets | 118,927,000 | 121,871,000 | 121,677,000 | 121,225,000 |