Call reports 2006
FNB BANK — 2006
What FNB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 280,559,000 | 284,889,000 | 291,244,000 | 290,063,000 |
| Total loans | 212,616,000 | 212,865,000 | 219,948,000 | 214,007,000 |
| Allowance for loan losses | 1,867,000 | 2,307,000 | 2,437,000 | 2,589,000 |
| Securities available for sale | 43,333,000 | 40,958,000 | 42,536,000 | 44,657,000 |
| Securities held to maturity | 4,000 | 3,000 | 3,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,134,000 | 235,830,000 | 240,094,000 | 237,816,000 |
| Interest-bearing deposits | 187,649,000 | 190,212,000 | 193,551,000 | 194,325,000 |
| Noninterest-bearing deposits | 54,485,000 | 45,618,000 | 46,543,000 | 43,491,000 |
| Equity capital | 36,977,000 | 37,820,000 | 39,540,000 | 38,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,486,000 | 9,319,000 | 14,533,000 | 19,722,000 |
| Interest expense | 1,369,000 | 2,803,000 | 4,462,000 | 6,259,000 |
| Net interest income | 3,117,000 | 6,516,000 | 10,071,000 | 13,463,000 |
| Noninterest income | 615,000 | 1,277,000 | 1,926,000 | 2,582,000 |
| Noninterest expense | 2,250,000 | 4,333,000 | 6,380,000 | 8,523,000 |
| Provision for loan losses | 210,000 | 673,000 | 820,000 | 1,130,000 |
| Pretax income | 1,272,000 | 2,787,000 | 4,797,000 | 6,392,000 |
| Income tax | 345,000 | 794,000 | 1,424,000 | 1,874,000 |
| Net income | 927,000 | 1,993,000 | 3,373,000 | 4,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,712,000 | 38,778,000 | 40,158,000 | 38,606,000 |
| Total capital | 39,799,000 | 41,176,000 | 42,708,000 | 41,268,000 |
| Risk-weighted assets | 224,007,000 | 225,227,000 | 236,178,000 | 225,655,000 |