Call reports 2002
FNBC BANK AND TRUST — 2002
What FNBC BANK AND TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 178,938,000 | 176,244,000 | 175,764,000 | 169,888,000 |
| Total loans | 114,657,000 | 111,859,000 | 113,946,000 | 114,653,000 |
| Allowance for loan losses | 1,450,000 | 1,461,000 | 1,478,000 | 1,486,000 |
| Securities available for sale | 29,081,000 | 33,072,000 | 32,436,000 | 28,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,530,000 | 156,989,000 | 155,915,000 | 149,898,000 |
| Interest-bearing deposits | 134,981,000 | 130,080,000 | 127,436,000 | 123,300,000 |
| Noninterest-bearing deposits | 25,549,000 | 26,909,000 | 28,479,000 | 26,598,000 |
| Equity capital | 16,604,000 | 17,723,000 | 18,206,000 | 18,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,701,000 | 5,291,000 | 7,881,000 | 10,381,000 |
| Interest expense | 788,000 | 1,431,000 | 2,016,000 | 2,552,000 |
| Net interest income | 1,913,000 | 3,860,000 | 5,865,000 | 7,829,000 |
| Noninterest income | 355,000 | 687,000 | 1,036,000 | 1,429,000 |
| Noninterest expense | 1,397,000 | 2,765,000 | 4,156,000 | 5,724,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 871,000 | 1,782,000 | 2,745,000 | 3,554,000 |
| Income tax | 11,000 | 17,000 | 22,000 | 28,000 |
| Net income | 860,000 | 1,765,000 | 2,723,000 | 3,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,138,000 | 15,043,000 | 15,251,000 | 15,254,000 |
| Total capital | 15,581,000 | 16,439,000 | 16,638,000 | 16,591,000 |
| Risk-weighted assets | 115,444,000 | 110,873,000 | 110,111,000 | 106,806,000 |