Call reports 2008
FNB BANK — 2008
What FNB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 308,645,000 | 308,456,000 | 304,600,000 | 306,546,000 |
| Total loans | 239,443,000 | 243,145,000 | 233,601,000 | 232,539,000 |
| Allowance for loan losses | 3,003,000 | 3,102,000 | 3,158,000 | 3,200,000 |
| Securities available for sale | 46,076,000 | 44,649,000 | 42,148,000 | 39,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,028,000 | 264,924,000 | 261,135,000 | 263,528,000 |
| Interest-bearing deposits | 216,571,000 | 217,693,000 | 217,671,000 | 218,182,000 |
| Noninterest-bearing deposits | 48,457,000 | 47,231,000 | 43,464,000 | 45,346,000 |
| Equity capital | 42,432,000 | 42,530,000 | 42,669,000 | 41,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,888,000 | 9,110,000 | 13,453,000 | 17,495,000 |
| Interest expense | 1,756,000 | 3,377,000 | 4,902,000 | 6,363,000 |
| Net interest income | 3,132,000 | 5,733,000 | 8,551,000 | 11,132,000 |
| Noninterest income | 679,000 | 1,360,000 | 2,061,000 | 2,699,000 |
| Noninterest expense | 2,347,000 | 4,693,000 | 6,727,000 | 9,065,000 |
| Provision for loan losses | 151,000 | 307,000 | 2,016,000 | 2,972,000 |
| Pretax income | 1,313,000 | 2,093,000 | 1,884,000 | 1,809,000 |
| Income tax | 436,000 | 508,000 | 585,000 | 322,000 |
| Net income | 877,000 | 1,585,000 | 1,299,000 | 1,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,435,000 | 43,143,000 | 42,856,000 | 42,319,000 |
| Total capital | 45,438,000 | 46,245,000 | 46,014,000 | 45,510,000 |
| Risk-weighted assets | 257,821,000 | 261,041,000 | 254,486,000 | 255,269,000 |