Call reports 2004
FNBC BANK AND TRUST — 2004
What FNBC BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 178,866,000 | 181,435,000 | 180,830,000 | 186,426,000 |
| Total loans | 128,678,000 | 132,591,000 | 133,712,000 | 136,039,000 |
| Allowance for loan losses | 1,318,000 | 1,210,000 | 1,216,000 | 1,222,000 |
| Securities available for sale | 27,170,000 | 25,810,000 | 25,937,000 | 25,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,820,000 | 153,367,000 | 156,765,000 | 163,596,000 |
| Interest-bearing deposits | 123,017,000 | 123,184,000 | 124,396,000 | 130,161,000 |
| Noninterest-bearing deposits | 30,803,000 | 30,183,000 | 32,369,000 | 33,435,000 |
| Equity capital | 18,890,000 | 17,960,000 | 18,454,000 | 18,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,385,000 | 4,813,000 | 7,322,000 | 9,854,000 |
| Interest expense | 352,000 | 679,000 | 1,044,000 | 1,473,000 |
| Net interest income | 2,033,000 | 4,134,000 | 6,278,000 | 8,381,000 |
| Noninterest income | 364,000 | 729,000 | 1,093,000 | 1,466,000 |
| Noninterest expense | 1,374,000 | 2,788,000 | 4,207,000 | 5,668,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,023,000 | 2,075,000 | 3,164,000 | 4,179,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 48,000 |
| Net income | 1,011,000 | 2,051,000 | 3,128,000 | 4,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,001,000 | 16,042,000 | 16,118,000 | 16,121,000 |
| Total capital | 17,319,000 | 17,252,000 | 17,334,000 | 17,343,000 |
| Risk-weighted assets | 116,023,000 | 120,452,000 | 121,877,000 | 124,721,000 |