Call reports 2016
FNB BANK — 2016
What FNB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 372,722,000 | 372,133,000 | 374,659,000 | 373,094,000 |
| Total loans | 248,602,000 | 250,444,000 | 250,696,000 | 265,801,000 |
| Allowance for loan losses | 3,215,000 | 3,274,000 | 3,201,000 | 3,206,000 |
| Securities available for sale | 91,767,000 | 89,952,000 | 84,217,000 | 76,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,699,000 | 321,222,000 | 323,315,000 | 321,826,000 |
| Interest-bearing deposits | 257,740,000 | 253,484,000 | 252,654,000 | 250,842,000 |
| Noninterest-bearing deposits | 65,959,000 | 67,739,000 | 70,661,000 | 70,984,000 |
| Equity capital | 48,348,000 | 50,217,000 | 50,606,000 | 48,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,154,000 | 8,361,000 | 12,591,000 | 16,863,000 |
| Interest expense | 446,000 | 895,000 | 1,346,000 | 1,779,000 |
| Net interest income | 3,708,000 | 7,466,000 | 11,245,000 | 15,084,000 |
| Noninterest income | 807,000 | 1,640,000 | 2,426,000 | 3,172,000 |
| Noninterest expense | 2,963,000 | 5,966,000 | 8,955,000 | 12,047,000 |
| Provision for loan losses | 46,000 | 101,000 | 135,000 | 135,000 |
| Pretax income | 1,506,000 | 3,039,000 | 4,613,000 | 6,122,000 |
| Income tax | 372,000 | 725,000 | 1,088,000 | 1,401,000 |
| Net income | 1,134,000 | 2,314,000 | 3,525,000 | 4,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,052,000 | 48,232,000 | 48,943,000 | 48,242,000 |
| Total capital | 50,267,000 | 51,506,000 | 52,144,000 | 51,448,000 |
| Risk-weighted assets | 278,902,000 | 277,653,000 | 275,161,000 | 288,761,000 |