Call reports 2010
FNB BANK — 2010
What FNB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 316,100,000 | 323,950,000 | 327,251,000 | 330,547,000 |
| Total loans | 217,284,000 | 217,390,000 | 215,898,000 | 207,139,000 |
| Allowance for loan losses | 5,909,000 | 5,915,000 | 5,595,000 | 5,354,000 |
| Securities available for sale | 35,378,000 | 38,011,000 | 38,951,000 | 78,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,297,000 | 285,598,000 | 288,253,000 | 292,066,000 |
| Interest-bearing deposits | 229,924,000 | 237,757,000 | 240,568,000 | 245,524,000 |
| Noninterest-bearing deposits | 48,373,000 | 47,841,000 | 47,685,000 | 46,542,000 |
| Equity capital | 37,241,000 | 37,835,000 | 38,492,000 | 37,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,466,000 | 6,951,000 | 10,495,000 | 13,971,000 |
| Interest expense | 1,038,000 | 2,078,000 | 3,102,000 | 4,089,000 |
| Net interest income | 2,428,000 | 4,873,000 | 7,393,000 | 9,882,000 |
| Noninterest income | 728,000 | 1,237,000 | 1,700,000 | 2,522,000 |
| Noninterest expense | 2,192,000 | 4,471,000 | 6,889,000 | 9,196,000 |
| Provision for loan losses | 315,000 | 450,000 | 765,000 | 1,080,000 |
| Pretax income | 649,000 | 1,189,000 | 1,439,000 | 2,128,000 |
| Income tax | 186,000 | 261,000 | 272,000 | 458,000 |
| Net income | 463,000 | 928,000 | 1,167,000 | 1,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,004,000 | 37,469,000 | 37,708,000 | 37,229,000 |
| Total capital | 39,939,000 | 40,388,000 | 40,554,000 | 40,095,000 |
| Risk-weighted assets | 231,863,000 | 230,530,000 | 224,905,000 | 226,788,000 |