Call reports 2013
FNB BANK — 2013
What FNB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 211,402,000 | 207,743,000 | 209,971,000 | 214,478,000 |
| Total loans | 144,459,000 | 147,916,000 | 152,036,000 | 155,289,000 |
| Allowance for loan losses | 1,948,000 | 2,106,000 | 2,158,000 | 2,159,000 |
| Securities available for sale | 49,767,000 | 47,568,000 | 45,843,000 | 45,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,537,000 | 183,246,000 | 180,117,000 | 182,069,000 |
| Interest-bearing deposits | 161,444,000 | 159,383,000 | 155,044,000 | 153,370,000 |
| Noninterest-bearing deposits | 25,093,000 | 23,863,000 | 25,073,000 | 28,699,000 |
| Equity capital | 24,250,000 | 23,892,000 | 24,668,000 | 24,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,157,000 | 4,293,000 | 6,437,000 | 8,596,000 |
| Interest expense | 350,000 | 675,000 | 983,000 | 1,277,000 |
| Net interest income | 1,807,000 | 3,618,000 | 5,454,000 | 7,319,000 |
| Noninterest income | 303,000 | 572,000 | 876,000 | 1,283,000 |
| Noninterest expense | 1,322,000 | 2,653,000 | 3,970,000 | 5,408,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 400,000 |
| Pretax income | 713,000 | 1,387,000 | 2,170,000 | 2,829,000 |
| Income tax | 36,000 | 70,000 | 110,000 | 143,000 |
| Net income | 677,000 | 1,317,000 | 2,060,000 | 2,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,521,000 | 19,059,000 | 19,635,000 | 19,695,000 |
| Total capital | 20,469,000 | 21,064,000 | 21,753,000 | 21,764,000 |
| Risk-weighted assets | 156,725,000 | 160,313,000 | 169,390,000 | 165,401,000 |