Call reports 2009
FNB BANK — 2009
What FNB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 302,300,000 | 305,796,000 | 301,283,000 | 302,715,000 |
| Total loans | 226,372,000 | 229,021,000 | 224,766,000 | 219,493,000 |
| Allowance for loan losses | 3,071,000 | 2,777,000 | 7,621,000 | 7,763,000 |
| Securities available for sale | 37,136,000 | 36,163,000 | 45,440,000 | 38,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,329,000 | 262,639,000 | 262,758,000 | 265,599,000 |
| Interest-bearing deposits | 213,194,000 | 216,068,000 | 216,443,000 | 218,310,000 |
| Noninterest-bearing deposits | 46,135,000 | 46,571,000 | 46,315,000 | 47,289,000 |
| Equity capital | 42,228,000 | 42,278,000 | 37,635,000 | 36,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,465,000 | 7,120,000 | 10,860,000 | 14,400,000 |
| Interest expense | 1,313,000 | 2,515,000 | 3,678,000 | 4,757,000 |
| Net interest income | 2,152,000 | 4,605,000 | 7,182,000 | 9,643,000 |
| Noninterest income | 615,000 | 741,000 | -381,000 | -1,722,000 |
| Noninterest expense | 2,238,000 | 4,554,000 | 6,828,000 | 9,056,000 |
| Provision for loan losses | 294,000 | 588,000 | 8,371,000 | 8,840,000 |
| Pretax income | 235,000 | 201,000 | -8,401,000 | -9,940,000 |
| Income tax | 61,000 | 10,000 | -3,192,000 | -4,163,000 |
| Net income | 174,000 | 191,000 | -5,209,000 | -5,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,493,000 | 42,510,000 | 37,110,000 | 36,541,000 |
| Total capital | 45,564,000 | 45,287,000 | 40,203,000 | 39,552,000 |
| Risk-weighted assets | 247,230,000 | 244,751,000 | 242,913,000 | 236,167,000 |