Call reports 2025
FNB BANK — 2025
What FNB BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 276,940,000 | 270,962,000 | 276,425,000 | 273,724,000 |
| Total loans | 217,016,000 | 216,121,000 | 219,234,000 | 223,071,000 |
| Allowance for loan losses | 4,311,000 | 4,335,000 | 4,350,000 | 4,422,000 |
| Securities available for sale | 40,810,000 | 38,706,000 | 35,688,000 | 35,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,040,000 | 215,161,000 | 207,810,000 | 212,293,000 |
| Interest-bearing deposits | 178,872,000 | 172,493,000 | 166,787,000 | 172,696,000 |
| Noninterest-bearing deposits | 42,168,000 | 42,668,000 | 41,023,000 | 39,597,000 |
| Equity capital | 38,644,000 | 39,915,000 | 41,295,000 | 42,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,404,000 | 6,933,000 | 10,532,000 | 14,136,000 |
| Interest expense | 1,005,000 | 1,973,000 | 2,965,000 | 3,981,000 |
| Net interest income | 2,399,000 | 4,960,000 | 7,567,000 | 10,155,000 |
| Noninterest income | 301,000 | 582,000 | 886,000 | 1,175,000 |
| Noninterest expense | 1,658,000 | 3,256,000 | 4,843,000 | 6,803,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,053,000 | 2,297,000 | 3,585,000 | 4,457,000 |
| Income tax | 42,000 | 93,000 | 146,000 | 182,000 |
| Net income | 1,011,000 | 2,204,000 | 3,439,000 | 4,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,269,000 | 36,292,000 | 37,163,000 | 37,984,000 |