Call reports 2015
FNB BANK — 2015
What FNB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 366,330,000 | 366,563,000 | 364,246,000 | 366,871,000 |
| Total loans | 217,356,000 | 230,093,000 | 235,573,000 | 240,851,000 |
| Allowance for loan losses | 3,120,000 | 3,124,000 | 3,182,000 | 3,216,000 |
| Securities available for sale | 98,967,000 | 102,344,000 | 98,921,000 | 94,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,421,000 | 320,251,000 | 315,853,000 | 317,293,000 |
| Interest-bearing deposits | 255,180,000 | 255,802,000 | 252,040,000 | 251,169,000 |
| Noninterest-bearing deposits | 64,240,000 | 64,449,000 | 63,813,000 | 66,125,000 |
| Equity capital | 45,855,000 | 45,844,000 | 47,806,000 | 46,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,897,000 | 7,921,000 | 12,013,000 | 16,142,000 |
| Interest expense | 480,000 | 953,000 | 1,420,000 | 1,870,000 |
| Net interest income | 3,417,000 | 6,968,000 | 10,593,000 | 14,272,000 |
| Noninterest income | 812,000 | 1,649,000 | 2,485,000 | 3,356,000 |
| Noninterest expense | 2,787,000 | 5,624,000 | 8,410,000 | 11,518,000 |
| Provision for loan losses | 89,000 | 182,000 | 305,000 | 369,000 |
| Pretax income | 1,353,000 | 2,843,000 | 4,403,000 | 5,781,000 |
| Income tax | 295,000 | 595,000 | 895,000 | 1,330,000 |
| Net income | 1,058,000 | 2,248,000 | 3,508,000 | 4,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,648,000 | 45,838,000 | 47,098,000 | 45,918,000 |
| Total capital | 47,746,000 | 48,962,000 | 50,280,000 | 49,134,000 |
| Risk-weighted assets | 247,780,000 | 258,390,000 | 263,137,000 | 271,278,000 |