Call reports 2015
FNB BANK — 2015
What FNB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 215,674,000 | 208,291,000 | 210,157,000 | 211,544,000 |
| Total loans | 163,027,000 | 162,980,000 | 165,227,000 | 161,649,000 |
| Allowance for loan losses | 2,566,000 | 2,608,000 | 2,687,000 | 2,741,000 |
| Securities available for sale | 39,224,000 | 33,986,000 | 33,495,000 | 34,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,767,000 | 179,826,000 | 178,626,000 | 182,674,000 |
| Interest-bearing deposits | 157,211,000 | 154,811,000 | 153,271,000 | 151,733,000 |
| Noninterest-bearing deposits | 26,556,000 | 25,015,000 | 25,355,000 | 30,941,000 |
| Equity capital | 26,604,000 | 26,869,000 | 27,578,000 | 26,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,071,000 | 4,192,000 | 6,320,000 | 8,408,000 |
| Interest expense | 238,000 | 475,000 | 710,000 | 939,000 |
| Net interest income | 1,833,000 | 3,717,000 | 5,610,000 | 7,469,000 |
| Noninterest income | 264,000 | 502,000 | 774,000 | 1,037,000 |
| Noninterest expense | 1,286,000 | 2,584,000 | 3,873,000 | 5,237,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 736,000 | 1,496,000 | 2,297,000 | 2,980,000 |
| Income tax | 37,000 | 74,000 | 115,000 | 149,000 |
| Net income | 699,000 | 1,422,000 | 2,182,000 | 2,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,416,000 | 21,968,000 | 22,569,000 | 22,027,000 |
| Total capital | 23,523,000 | 24,094,000 | 24,733,000 | 24,142,000 |
| Risk-weighted assets | 168,140,000 | 169,621,000 | 172,615,000 | 168,548,000 |