Call reports 2010
FNBC BANK AND TRUST — 2010
What FNBC BANK AND TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 199,748,000 | 214,338,000 | 213,182,000 | 206,223,000 |
| Total loans | 127,253,000 | 122,811,000 | 126,150,000 | 125,746,000 |
| Allowance for loan losses | 1,391,000 | 1,230,000 | 1,579,000 | 1,257,000 |
| Securities available for sale | 34,383,000 | 44,140,000 | 42,385,000 | 58,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,740,000 | 193,504,000 | 191,078,000 | 185,387,000 |
| Interest-bearing deposits | 147,921,000 | 162,577,000 | 162,550,000 | 156,228,000 |
| Noninterest-bearing deposits | 30,819,000 | 30,927,000 | 28,528,000 | 29,159,000 |
| Equity capital | 20,426,000 | 20,375,000 | 21,695,000 | 20,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,287,000 | 6,416,000 | 8,569,000 |
| Interest expense | 260,000 | 517,000 | 769,000 | 1,025,000 |
| Net interest income | 1,896,000 | 3,770,000 | 5,647,000 | 7,544,000 |
| Noninterest income | 278,000 | 558,000 | 734,000 | 836,000 |
| Noninterest expense | 1,842,000 | 3,720,000 | 5,611,000 | 7,545,000 |
| Provision for loan losses | 150,000 | 493,000 | 1,626,000 | 2,380,000 |
| Pretax income | 182,000 | 115,000 | -435,000 | -803,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 178,000 | 111,000 | -439,000 | -807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,106,000 | 18,053,000 | 19,518,000 | 19,156,000 |
| Total capital | 19,497,000 | 19,283,000 | 21,097,000 | 20,413,000 |
| Risk-weighted assets | 123,796,000 | 122,325,000 | 125,919,000 | 128,701,000 |