Call reports 2014
FNB BANK — 2014
What FNB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 214,100,000 | 213,401,000 | 210,872,000 | 211,909,000 |
| Total loans | 152,248,000 | 155,881,000 | 158,819,000 | 161,496,000 |
| Allowance for loan losses | 2,280,000 | 2,400,000 | 2,406,000 | 2,401,000 |
| Securities available for sale | 49,534,000 | 47,051,000 | 41,281,000 | 40,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,103,000 | 178,357,000 | 179,861,000 | 180,108,000 |
| Interest-bearing deposits | 158,317,000 | 154,003,000 | 152,753,000 | 154,160,000 |
| Noninterest-bearing deposits | 27,786,000 | 24,354,000 | 27,108,000 | 25,948,000 |
| Equity capital | 25,233,000 | 25,869,000 | 26,500,000 | 25,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,078,000 | 4,160,000 | 6,260,000 | 8,370,000 |
| Interest expense | 273,000 | 538,000 | 791,000 | 1,035,000 |
| Net interest income | 1,805,000 | 3,622,000 | 5,469,000 | 7,335,000 |
| Noninterest income | 270,000 | 543,000 | 877,000 | 1,150,000 |
| Noninterest expense | 1,277,000 | 2,608,000 | 3,864,000 | 5,149,000 |
| Provision for loan losses | 105,000 | 210,000 | 240,000 | 445,000 |
| Pretax income | 693,000 | 1,349,000 | 2,233,000 | 2,870,000 |
| Income tax | 34,000 | 67,000 | 111,000 | 143,000 |
| Net income | 659,000 | 1,282,000 | 2,122,000 | 2,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,201,000 | 20,650,000 | 21,319,000 | 20,886,000 |
| Total capital | 22,221,000 | 22,710,000 | 23,404,000 | 22,984,000 |
| Risk-weighted assets | 161,379,000 | 164,476,000 | 166,458,000 | 167,577,000 |