Call reports 2005
FNBC BANK AND TRUST — 2005
What FNBC BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 184,401,000 | 186,963,000 | 184,757,000 | 183,603,000 |
| Total loans | 132,465,000 | 139,535,000 | 139,288,000 | 139,515,000 |
| Allowance for loan losses | 1,228,000 | 1,240,000 | 1,246,000 | 1,256,000 |
| Securities available for sale | 27,398,000 | 27,468,000 | 26,975,000 | 26,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,614,000 | 165,162,000 | 164,641,000 | 162,101,000 |
| Interest-bearing deposits | 130,891,000 | 130,638,000 | 130,499,000 | 125,666,000 |
| Noninterest-bearing deposits | 33,723,000 | 34,524,000 | 34,142,000 | 36,435,000 |
| Equity capital | 17,937,000 | 18,112,000 | 18,142,000 | 17,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,481,000 | 5,130,000 | 7,909,000 | 10,700,000 |
| Interest expense | 445,000 | 915,000 | 1,446,000 | 1,998,000 |
| Net interest income | 2,036,000 | 4,215,000 | 6,463,000 | 8,702,000 |
| Noninterest income | 355,000 | 754,000 | 1,160,000 | 1,542,000 |
| Noninterest expense | 1,369,000 | 2,848,000 | 4,360,000 | 5,934,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 1,022,000 | 2,121,000 | 3,263,000 | 4,260,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 48,000 |
| Net income | 1,010,000 | 2,097,000 | 3,227,000 | 4,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,131,000 | 16,218,000 | 16,348,000 | 16,377,000 |
| Total capital | 17,359,000 | 17,458,000 | 17,594,000 | 17,633,000 |
| Risk-weighted assets | 122,003,000 | 128,595,000 | 126,679,000 | 128,764,000 |