Call reports 2004
FNB BANK — 2004
What FNB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 300,966,000 | 290,770,000 | 294,902,000 | 295,966,000 |
| Total loans | 96,972,000 | 103,932,000 | 119,323,000 | 123,775,000 |
| Allowance for loan losses | 1,259,000 | 1,278,000 | 1,340,000 | 1,415,000 |
| Securities available for sale | 172,135,000 | 157,359,000 | 140,286,000 | 145,279,000 |
| Securities held to maturity | 313,000 | 50,000 | 43,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,999,000 | 215,087,000 | 215,780,000 | 216,271,000 |
| Interest-bearing deposits | 177,730,000 | 174,613,000 | 173,327,000 | 171,393,000 |
| Noninterest-bearing deposits | 43,269,000 | 40,474,000 | 42,453,000 | 44,878,000 |
| Equity capital | 38,368,000 | 35,260,000 | 38,029,000 | 36,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,433,000 | 6,854,000 | 10,291,000 | 14,026,000 |
| Interest expense | 1,167,000 | 2,306,000 | 3,464,000 | 4,653,000 |
| Net interest income | 2,266,000 | 4,548,000 | 6,827,000 | 9,373,000 |
| Noninterest income | 445,000 | 955,000 | 1,496,000 | 1,983,000 |
| Noninterest expense | 1,888,000 | 3,753,000 | 5,664,000 | 7,744,000 |
| Provision for loan losses | 80,000 | 145,000 | 280,000 | 395,000 |
| Pretax income | 827,000 | 1,686,000 | 2,496,000 | 3,334,000 |
| Income tax | 173,000 | 369,000 | 552,000 | 737,000 |
| Net income | 654,000 | 1,317,000 | 1,944,000 | 2,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,615,000 | 36,279,000 | 36,906,000 | 35,645,000 |
| Total capital | 36,874,000 | 37,557,000 | 38,246,000 | 37,060,000 |
| Risk-weighted assets | 132,996,000 | 138,359,000 | 147,717,000 | 157,633,000 |