Call reports 2012
FNB BANK — 2012
What FNB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 208,698,000 | 212,797,000 | 212,448,000 | 217,496,000 |
| Total loans | 141,159,000 | 147,245,000 | 147,409,000 | 151,488,000 |
| Allowance for loan losses | 1,979,000 | 1,950,000 | 1,875,000 | 1,921,000 |
| Securities available for sale | 51,718,000 | 51,506,000 | 50,225,000 | 49,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,056,000 | 180,137,000 | 183,872,000 | 183,007,000 |
| Interest-bearing deposits | 161,161,000 | 158,320,000 | 159,919,000 | 156,064,000 |
| Noninterest-bearing deposits | 23,895,000 | 21,817,000 | 23,953,000 | 26,943,000 |
| Equity capital | 22,911,000 | 23,718,000 | 24,419,000 | 24,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,313,000 | 4,715,000 | 7,080,000 | 9,330,000 |
| Interest expense | 446,000 | 883,000 | 1,310,000 | 1,731,000 |
| Net interest income | 1,867,000 | 3,832,000 | 5,770,000 | 7,599,000 |
| Noninterest income | 292,000 | 511,000 | 818,000 | 1,129,000 |
| Noninterest expense | 1,398,000 | 2,864,000 | 4,218,000 | 5,687,000 |
| Provision for loan losses | 150,000 | 150,000 | 225,000 | 345,000 |
| Pretax income | 622,000 | 1,340,000 | 2,123,000 | 2,674,000 |
| Income tax | 31,000 | 68,000 | 108,000 | 136,000 |
| Net income | 591,000 | 1,272,000 | 2,015,000 | 2,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,127,000 | 17,819,000 | 18,337,000 | 18,651,000 |
| Total capital | 19,060,000 | 19,769,000 | 20,212,000 | 20,572,000 |
| Risk-weighted assets | 154,579,000 | 160,538,000 | 163,477,000 | 163,128,000 |