Call reports 2003
FNBC BANK AND TRUST — 2003
What FNBC BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 177,120,000 | 183,983,000 | 182,907,000 | 178,257,000 |
| Total loans | 116,166,000 | 124,515,000 | 122,152,000 | 125,337,000 |
| Allowance for loan losses | 1,359,000 | 1,335,000 | 1,350,000 | 1,362,000 |
| Securities available for sale | 24,080,000 | 26,694,000 | 29,450,000 | 28,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,423,000 | 163,786,000 | 162,601,000 | 156,830,000 |
| Interest-bearing deposits | 128,377,000 | 134,721,000 | 130,776,000 | 128,312,000 |
| Noninterest-bearing deposits | 29,046,000 | 29,065,000 | 31,825,000 | 28,518,000 |
| Equity capital | 18,105,000 | 18,470,000 | 18,292,000 | 18,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,423,000 | 4,891,000 | 7,348,000 | 9,757,000 |
| Interest expense | 489,000 | 968,000 | 1,410,000 | 1,813,000 |
| Net interest income | 1,934,000 | 3,923,000 | 5,938,000 | 7,944,000 |
| Noninterest income | 422,000 | 864,000 | 1,342,000 | 1,662,000 |
| Noninterest expense | 1,363,000 | 2,823,000 | 4,243,000 | 5,653,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 993,000 | 1,964,000 | 3,037,000 | 3,953,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 48,000 |
| Net income | 984,000 | 1,946,000 | 3,010,000 | 3,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,238,000 | 15,381,000 | 15,695,000 | 15,790,000 |
| Total capital | 16,597,000 | 16,716,000 | 17,045,000 | 17,152,000 |
| Risk-weighted assets | 108,723,000 | 117,084,000 | 112,397,000 | 114,597,000 |