Call reports 2016
FNB BANK — 2016
What FNB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 212,517,000 | 208,044,000 | 207,018,000 | 204,508,000 |
| Total loans | 159,566,000 | 161,545,000 | 163,186,000 | 159,703,000 |
| Allowance for loan losses | 2,875,000 | 3,052,000 | 3,111,000 | 3,078,000 |
| Securities available for sale | 34,916,000 | 33,725,000 | 31,865,000 | 30,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,435,000 | 179,390,000 | 178,078,000 | 176,589,000 |
| Interest-bearing deposits | 155,579,000 | 153,330,000 | 152,915,000 | 148,282,000 |
| Noninterest-bearing deposits | 28,856,000 | 26,060,000 | 25,163,000 | 28,307,000 |
| Equity capital | 27,600,000 | 28,200,000 | 28,528,000 | 27,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,057,000 | 4,123,000 | 6,204,000 | 8,257,000 |
| Interest expense | 227,000 | 449,000 | 669,000 | 883,000 |
| Net interest income | 1,830,000 | 3,674,000 | 5,535,000 | 7,374,000 |
| Noninterest income | 301,000 | 595,000 | 920,000 | 1,481,000 |
| Noninterest expense | 1,310,000 | 2,637,000 | 3,965,000 | 5,296,000 |
| Provision for loan losses | 75,000 | 125,000 | 163,000 | 200,000 |
| Pretax income | 746,000 | 1,507,000 | 2,337,000 | 3,369,000 |
| Income tax | 37,000 | 75,000 | 117,000 | 158,000 |
| Net income | 709,000 | 1,432,000 | 2,220,000 | 3,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,616,000 | 23,130,000 | 23,612,000 | 23,207,000 |
| Total capital | 24,708,000 | 25,242,000 | 25,724,000 | 25,276,000 |
| Risk-weighted assets | 166,559,000 | 168,037,000 | 167,961,000 | 164,549,000 |