Call reports 2007
FNB BANK — 2007
What FNB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 297,082,000 | 286,899,000 | 292,275,000 | 295,472,000 |
| Total loans | 216,677,000 | 213,274,000 | 224,174,000 | 225,693,000 |
| Allowance for loan losses | 2,724,000 | 2,852,000 | 2,906,000 | 2,835,000 |
| Securities available for sale | 47,644,000 | 49,197,000 | 47,584,000 | 43,988,000 |
| Securities held to maturity | 2,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,823,000 | 245,427,000 | 248,710,000 | 251,083,000 |
| Interest-bearing deposits | 199,174,000 | 198,258,000 | 203,965,000 | 205,623,000 |
| Noninterest-bearing deposits | 46,649,000 | 47,169,000 | 44,745,000 | 45,460,000 |
| Equity capital | 39,457,000 | 40,109,000 | 41,942,000 | 41,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,208,000 | 10,405,000 | 15,681,000 | 20,944,000 |
| Interest expense | 1,851,000 | 3,635,000 | 5,427,000 | 7,207,000 |
| Net interest income | 3,357,000 | 6,770,000 | 10,254,000 | 13,737,000 |
| Noninterest income | 692,000 | 1,398,000 | 2,066,000 | 2,751,000 |
| Noninterest expense | 2,162,000 | 4,300,000 | 6,502,000 | 8,780,000 |
| Provision for loan losses | 190,000 | 371,000 | 501,000 | 658,000 |
| Pretax income | 1,697,000 | 3,514,000 | 5,333,000 | 7,113,000 |
| Income tax | 501,000 | 1,002,000 | 1,578,000 | 2,205,000 |
| Net income | 1,196,000 | 2,512,000 | 3,755,000 | 4,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,802,000 | 41,118,000 | 42,361,000 | 41,558,000 |
| Total capital | 42,628,000 | 43,987,000 | 45,359,000 | 44,393,000 |
| Risk-weighted assets | 237,032,000 | 229,456,000 | 241,767,000 | 240,432,000 |