Call reports 2006
FNBC BANK AND TRUST — 2006
What FNBC BANK AND TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 180,744,000 | 183,699,000 | 186,538,000 | 189,244,000 |
| Total loans | 138,779,000 | 142,973,000 | 144,077,000 | 146,386,000 |
| Allowance for loan losses | 1,258,000 | 1,222,000 | 1,225,000 | 1,226,000 |
| Securities available for sale | 24,182,000 | 23,552,000 | 23,206,000 | 23,383,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,898,000 | 161,849,000 | 164,172,000 | 166,534,000 |
| Interest-bearing deposits | 125,965,000 | 127,264,000 | 129,267,000 | 132,331,000 |
| Noninterest-bearing deposits | 32,933,000 | 34,585,000 | 34,905,000 | 34,203,000 |
| Equity capital | 18,004,000 | 17,936,000 | 18,204,000 | 18,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,756,000 | 5,646,000 | 8,644,000 | 11,736,000 |
| Interest expense | 589,000 | 1,263,000 | 2,067,000 | 2,941,000 |
| Net interest income | 2,167,000 | 4,383,000 | 6,577,000 | 8,795,000 |
| Noninterest income | 471,000 | 833,000 | 1,210,000 | 1,548,000 |
| Noninterest expense | 1,470,000 | 2,953,000 | 4,426,000 | 5,970,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,168,000 | 2,263,000 | 3,361,000 | 4,373,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 48,000 |
| Net income | 1,156,000 | 2,239,000 | 3,325,000 | 4,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,577,000 | 16,703,000 | 16,833,000 | 16,871,000 |
| Total capital | 17,835,000 | 17,925,000 | 18,058,000 | 18,097,000 |
| Risk-weighted assets | 127,466,000 | 131,231,000 | 132,326,000 | 134,868,000 |