Call reports 2007
FNBC BANK AND TRUST — 2007
What FNBC BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 187,922,000 | 192,462,000 | 196,061,000 | 199,021,000 |
| Total loans | 147,145,000 | 151,194,000 | 148,047,000 | 149,791,000 |
| Allowance for loan losses | 1,230,000 | 1,235,000 | 1,242,000 | 1,262,000 |
| Securities available for sale | 23,421,000 | 28,382,000 | 35,277,000 | 35,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,417,000 | 169,804,000 | 172,422,000 | 170,134,000 |
| Interest-bearing deposits | 131,161,000 | 133,762,000 | 143,328,000 | 139,274,000 |
| Noninterest-bearing deposits | 34,256,000 | 36,042,000 | 29,094,000 | 30,860,000 |
| Equity capital | 18,372,000 | 18,317,000 | 18,567,000 | 18,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,079,000 | 6,297,000 | 9,577,000 | 12,848,000 |
| Interest expense | 892,000 | 1,865,000 | 2,896,000 | 4,009,000 |
| Net interest income | 2,187,000 | 4,432,000 | 6,681,000 | 8,839,000 |
| Noninterest income | 365,000 | 740,000 | 1,125,000 | 1,492,000 |
| Noninterest expense | 1,513,000 | 3,068,000 | 4,655,000 | 6,211,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,039,000 | 2,104,000 | 3,151,000 | 4,120,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 48,000 |
| Net income | 1,027,000 | 2,080,000 | 3,115,000 | 4,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,935,000 | 17,024,000 | 17,097,000 | 17,083,000 |
| Total capital | 18,165,000 | 18,259,000 | 18,339,000 | 18,345,000 |
| Risk-weighted assets | 135,047,000 | 137,480,000 | 136,677,000 | 137,414,000 |