Call reports 2012
FNB BANK — 2012
What FNB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 359,112,000 | 355,337,000 | 359,274,000 | 359,188,000 |
| Total loans | 209,503,000 | 209,866,000 | 209,182,000 | 212,019,000 |
| Allowance for loan losses | 3,947,000 | 4,059,000 | 3,988,000 | 3,742,000 |
| Securities available for sale | 92,297,000 | 89,143,000 | 91,930,000 | 94,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,462,000 | 313,960,000 | 316,300,000 | 316,676,000 |
| Interest-bearing deposits | 254,298,000 | 249,478,000 | 252,364,000 | 249,563,000 |
| Noninterest-bearing deposits | 65,164,000 | 64,482,000 | 63,936,000 | 67,113,000 |
| Equity capital | 39,242,000 | 40,792,000 | 42,295,000 | 41,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,160,000 | 8,231,000 | 12,163,000 | 16,085,000 |
| Interest expense | 721,000 | 1,368,000 | 1,932,000 | 2,469,000 |
| Net interest income | 3,439,000 | 6,863,000 | 10,231,000 | 13,616,000 |
| Noninterest income | -1,300,000 | -879,000 | -282,000 | 290,000 |
| Noninterest expense | 2,658,000 | 5,254,000 | 7,830,000 | 10,576,000 |
| Provision for loan losses | 0 | 109,000 | 131,000 | 152,000 |
| Pretax income | -509,000 | 751,000 | 2,118,000 | 3,308,000 |
| Income tax | 0 | 122,000 | 430,000 | 763,000 |
| Net income | -509,000 | 629,000 | 1,688,000 | 2,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,210,000 | 39,348,000 | 40,407,000 | 40,085,000 |
| Total capital | 41,128,000 | 42,231,000 | 43,269,000 | 42,981,000 |
| Risk-weighted assets | 232,376,000 | 229,438,000 | 227,838,000 | 230,867,000 |