Call reports 2005
FNB BANK — 2005
What FNB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 301,096,000 | 301,644,000 | 304,799,000 | 303,332,000 |
| Total loans | 134,060,000 | 166,623,000 | 187,944,000 | 190,438,000 |
| Allowance for loan losses | 1,488,000 | 1,536,000 | 1,674,000 | 1,827,000 |
| Securities available for sale | 130,882,000 | 104,108,000 | 89,575,000 | 45,385,000 |
| Securities held to maturity | 22,000 | 14,000 | 6,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,896,000 | 223,262,000 | 225,567,000 | 223,793,000 |
| Interest-bearing deposits | 180,296,000 | 178,178,000 | 179,102,000 | 177,658,000 |
| Noninterest-bearing deposits | 43,600,000 | 45,084,000 | 46,465,000 | 46,135,000 |
| Equity capital | 36,099,000 | 37,360,000 | 38,094,000 | 36,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,716,000 | 7,743,000 | 12,175,000 | 16,808,000 |
| Interest expense | 1,272,000 | 2,653,000 | 4,117,000 | 5,680,000 |
| Net interest income | 2,444,000 | 5,090,000 | 8,058,000 | 11,128,000 |
| Noninterest income | 662,000 | 1,315,000 | 1,897,000 | 2,517,000 |
| Noninterest expense | 1,975,000 | 4,016,000 | 6,028,000 | 8,078,000 |
| Provision for loan losses | 180,000 | 385,000 | 765,000 | 955,000 |
| Pretax income | 952,000 | 2,009,000 | 3,159,000 | 4,618,000 |
| Income tax | 207,000 | 449,000 | 742,000 | 1,172,000 |
| Net income | 745,000 | 1,560,000 | 2,417,000 | 3,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,390,000 | 37,205,000 | 38,062,000 | 36,784,000 |
| Total capital | 37,878,000 | 38,741,000 | 39,851,000 | 38,724,000 |
| Risk-weighted assets | 167,668,000 | 195,909,000 | 204,639,000 | 206,160,000 |