Call reports 2008
FNBC BANK AND TRUST — 2008
What FNBC BANK AND TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 205,091,000 | 203,412,000 | 208,688,000 | 209,947,000 |
| Total loans | 155,352,000 | 150,549,000 | 150,105,000 | 148,222,000 |
| Allowance for loan losses | 1,265,000 | 1,267,000 | 1,286,000 | 1,551,000 |
| Securities available for sale | 35,923,000 | 38,111,000 | 44,935,000 | 42,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,922,000 | 180,998,000 | 184,265,000 | 185,758,000 |
| Interest-bearing deposits | 150,614,000 | 151,101,000 | 157,171,000 | 159,388,000 |
| Noninterest-bearing deposits | 30,308,000 | 29,897,000 | 27,094,000 | 26,370,000 |
| Equity capital | 18,996,000 | 18,384,000 | 19,214,000 | 20,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,128,000 | 6,127,000 | 9,113,000 | 12,043,000 |
| Interest expense | 1,006,000 | 1,863,000 | 2,704,000 | 3,493,000 |
| Net interest income | 2,122,000 | 4,264,000 | 6,409,000 | 8,550,000 |
| Noninterest income | 350,000 | 709,000 | 1,107,000 | 1,451,000 |
| Noninterest expense | 1,598,000 | 3,176,000 | 4,809,000 | 6,528,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 480,000 |
| Pretax income | 874,000 | 1,804,000 | 2,694,000 | 3,000,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 38,000 |
| Net income | 862,000 | 1,780,000 | 2,658,000 | 2,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,976,000 | 17,172,000 | 17,330,000 | 17,156,000 |
| Total capital | 18,241,000 | 18,439,000 | 18,616,000 | 18,707,000 |
| Risk-weighted assets | 140,800,000 | 140,357,000 | 141,804,000 | 138,411,000 |