Call reports 2009
FNBC BANK AND TRUST — 2009
What FNBC BANK AND TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 200,396,000 | 212,659,000 | 202,958,000 | 196,871,000 |
| Total loans | 141,419,000 | 138,942,000 | 137,183,000 | 130,719,000 |
| Allowance for loan losses | 1,537,000 | 1,669,000 | 1,547,000 | 1,343,000 |
| Securities available for sale | 40,737,000 | 39,447,000 | 34,994,000 | 34,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,418,000 | 188,340,000 | 178,575,000 | 175,800,000 |
| Interest-bearing deposits | 149,566,000 | 159,284,000 | 150,777,000 | 147,739,000 |
| Noninterest-bearing deposits | 26,852,000 | 29,056,000 | 27,798,000 | 28,061,000 |
| Equity capital | 20,040,000 | 20,603,000 | 20,704,000 | 20,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,666,000 | 5,231,000 | 7,622,000 | 9,940,000 |
| Interest expense | 641,000 | 1,139,000 | 1,570,000 | 1,901,000 |
| Net interest income | 2,025,000 | 4,092,000 | 6,052,000 | 8,039,000 |
| Noninterest income | 321,000 | 670,000 | 995,000 | 1,299,000 |
| Noninterest expense | 1,644,000 | 3,382,000 | 5,161,000 | 6,951,000 |
| Provision for loan losses | 150,000 | 300,000 | 634,000 | 1,526,000 |
| Pretax income | 552,000 | 1,080,000 | 1,436,000 | 1,253,000 |
| Income tax | 10,000 | 16,000 | 22,000 | 28,000 |
| Net income | 542,000 | 1,064,000 | 1,414,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,420,000 | 17,965,000 | 18,086,000 | 17,913,000 |
| Total capital | 18,957,000 | 19,609,000 | 19,633,000 | 19,256,000 |
| Risk-weighted assets | 133,157,000 | 131,460,000 | 126,792,000 | 125,130,000 |