Call reports 2010
FNB BANK — 2010
What FNB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 169,563,000 | 170,832,000 | 175,486,000 | 179,117,000 |
| Total loans | 123,073,000 | 128,823,000 | 134,106,000 | 132,759,000 |
| Allowance for loan losses | 1,610,000 | 1,559,000 | 1,752,000 | 1,606,000 |
| Securities available for sale | 33,313,000 | 30,958,000 | 27,191,000 | 34,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,479,000 | 146,494,000 | 148,291,000 | 151,903,000 |
| Interest-bearing deposits | 127,764,000 | 128,685,000 | 132,003,000 | 132,575,000 |
| Noninterest-bearing deposits | 17,715,000 | 17,810,000 | 16,288,000 | 19,329,000 |
| Equity capital | 20,844,000 | 21,062,000 | 21,425,000 | 21,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,237,000 | 4,541,000 | 6,866,000 | 9,172,000 |
| Interest expense | 581,000 | 1,202,000 | 1,829,000 | 2,445,000 |
| Net interest income | 1,656,000 | 3,339,000 | 5,037,000 | 6,727,000 |
| Noninterest income | 291,000 | 598,000 | 933,000 | 1,235,000 |
| Noninterest expense | 1,218,000 | 2,536,000 | 3,881,000 | 5,217,000 |
| Provision for loan losses | 120,000 | 440,000 | 660,000 | 840,000 |
| Pretax income | 609,000 | 961,000 | 1,478,000 | 1,954,000 |
| Income tax | 30,000 | 49,000 | 76,000 | 100,000 |
| Net income | 579,000 | 912,000 | 1,402,000 | 1,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,657,000 | 15,752,000 | 16,023,000 | 16,106,000 |
| Total capital | 17,267,000 | 17,311,000 | 17,775,000 | 17,712,000 |
| Risk-weighted assets | 133,838,000 | 136,080,000 | 140,997,000 | 140,495,000 |