Call reports 2003
FNB BANK — 2003
What FNB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 307,683,000 | 305,932,000 | 300,945,000 | 296,762,000 |
| Total loans | 102,518,000 | 100,055,000 | 96,120,000 | 93,079,000 |
| Allowance for loan losses | 1,478,000 | 1,397,000 | 1,415,000 | 1,281,000 |
| Securities available for sale | 153,679,000 | 170,184,000 | 169,047,000 | 173,175,000 |
| Securities held to maturity | 2,104,000 | 342,000 | 333,000 | 325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,786,000 | 223,875,000 | 222,322,000 | 217,422,000 |
| Interest-bearing deposits | 190,035,000 | 186,548,000 | 183,860,000 | 178,261,000 |
| Noninterest-bearing deposits | 36,751,000 | 37,327,000 | 38,462,000 | 39,161,000 |
| Equity capital | 38,431,000 | 39,486,000 | 37,289,000 | 36,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,855,000 | 7,535,000 | 11,104,000 | 14,647,000 |
| Interest expense | 1,572,000 | 3,104,000 | 4,491,000 | 5,733,000 |
| Net interest income | 2,283,000 | 4,431,000 | 6,613,000 | 8,914,000 |
| Noninterest income | 402,000 | 824,000 | 1,186,000 | 1,624,000 |
| Noninterest expense | 1,921,000 | 3,848,000 | 5,832,000 | 7,670,000 |
| Provision for loan losses | 137,000 | 253,000 | 353,000 | 482,000 |
| Pretax income | 888,000 | 1,345,000 | 1,677,000 | 2,449,000 |
| Income tax | 202,000 | 237,000 | 320,000 | 465,000 |
| Net income | 686,000 | 1,108,000 | 1,357,000 | 1,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,385,000 | 35,807,000 | 36,041,000 | 34,962,000 |
| Total capital | 36,863,000 | 37,204,000 | 37,456,000 | 36,243,000 |
| Risk-weighted assets | 143,901,000 | 142,093,000 | 132,179,000 | 129,574,000 |