Call reports 2001
FNBC BANK AND TRUST — 2001
What FNBC BANK AND TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 131,937,000 | 141,646,000 | 143,248,000 | 184,816,000 |
| Total loans | 90,136,000 | 88,764,000 | 95,187,000 | 118,049,000 |
| Allowance for loan losses | 866,000 | 892,000 | 922,000 | 1,464,000 |
| Securities available for sale | 24,592,000 | 22,902,000 | 22,840,000 | 29,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 100,000 |
| Total deposits | 116,163,000 | 125,845,000 | 126,924,000 | 165,530,000 |
| Interest-bearing deposits | 94,712,000 | 104,625,000 | 104,507,000 | 139,735,000 |
| Noninterest-bearing deposits | 21,451,000 | 21,220,000 | 22,417,000 | 25,795,000 |
| Equity capital | 12,723,000 | 12,837,000 | 13,070,000 | 15,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,422,000 | 4,858,000 | 7,275,000 | 9,629,000 |
| Interest expense | 855,000 | 1,694,000 | 2,529,000 | 3,253,000 |
| Net interest income | 1,567,000 | 3,164,000 | 4,746,000 | 6,376,000 |
| Noninterest income | 279,000 | 578,000 | 872,000 | 1,163,000 |
| Noninterest expense | 997,000 | 2,011,000 | 3,008,000 | 4,375,000 |
| Provision for loan losses | 32,000 | 62,000 | 92,000 | 137,000 |
| Pretax income | 817,000 | 1,669,000 | 2,518,000 | 3,084,000 |
| Income tax | 8,000 | 16,000 | 30,000 | 39,000 |
| Net income | 809,000 | 1,653,000 | 2,488,000 | 3,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,592,000 | 11,663,000 | 11,727,000 | 13,540,000 |
| Total capital | 12,458,000 | 12,555,000 | 12,649,000 | 15,004,000 |
| Risk-weighted assets | 86,348,000 | 86,202,000 | 92,584,000 | 119,052,000 |