Call reports 2009
FNB BANK — 2009
What FNB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 159,732,000 | 157,356,000 | 160,933,000 | 164,025,000 |
| Total loans | 112,605,000 | 113,331,000 | 115,938,000 | 117,348,000 |
| Allowance for loan losses | 1,355,000 | 1,517,000 | 1,418,000 | 1,501,000 |
| Securities available for sale | 34,356,000 | 32,076,000 | 31,057,000 | 33,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,858,000 | 132,836,000 | 137,274,000 | 140,225,000 |
| Interest-bearing deposits | 119,613,000 | 116,481,000 | 119,764,000 | 119,577,000 |
| Noninterest-bearing deposits | 17,245,000 | 16,355,000 | 17,509,000 | 20,648,000 |
| Equity capital | 19,355,000 | 19,589,000 | 20,352,000 | 20,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,190,000 | 4,436,000 | 6,665,000 | 8,899,000 |
| Interest expense | 703,000 | 1,362,000 | 2,007,000 | 2,627,000 |
| Net interest income | 1,487,000 | 3,074,000 | 4,658,000 | 6,272,000 |
| Noninterest income | 292,000 | 557,000 | 922,000 | 1,197,000 |
| Noninterest expense | 1,143,000 | 2,464,000 | 3,680,000 | 4,879,000 |
| Provision for loan losses | 525,000 | 675,000 | 795,000 | 875,000 |
| Pretax income | 111,000 | 495,000 | 1,108,000 | 1,718,000 |
| Income tax | 6,000 | 24,000 | 57,000 | 88,000 |
| Net income | 105,000 | 471,000 | 1,051,000 | 1,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,500,000 | 14,642,000 | 15,024,000 | 15,333,000 |
| Total capital | 15,855,000 | 16,159,000 | 16,442,000 | 16,834,000 |
| Risk-weighted assets | 122,060,000 | 122,192,000 | 124,990,000 | 126,755,000 |