Call reports 2011
FNBC BANK AND TRUST — 2011
What FNBC BANK AND TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 195,969,000 | 201,511,000 | 201,461,000 | 185,484,000 |
| Total loans | 124,200,000 | 122,121,000 | 124,380,000 | 125,120,000 |
| Allowance for loan losses | 1,730,000 | 1,774,000 | 2,064,000 | 2,284,000 |
| Securities available for sale | 52,962,000 | 47,809,000 | 39,527,000 | 26,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,408,000 | 180,980,000 | 181,203,000 | 166,706,000 |
| Interest-bearing deposits | 133,914,000 | 131,396,000 | 129,358,000 | 123,328,000 |
| Noninterest-bearing deposits | 41,494,000 | 49,584,000 | 51,845,000 | 43,378,000 |
| Equity capital | 20,020,000 | 20,050,000 | 19,683,000 | 18,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,032,000 | 3,986,000 | 5,880,000 | 7,591,000 |
| Interest expense | 241,000 | 463,000 | 671,000 | 848,000 |
| Net interest income | 1,791,000 | 3,523,000 | 5,209,000 | 6,743,000 |
| Noninterest income | 260,000 | 552,000 | 842,000 | 656,000 |
| Noninterest expense | 2,031,000 | 3,982,000 | 6,056,000 | 7,988,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,855,000 | 2,739,000 |
| Pretax income | -580,000 | -1,059,000 | -1,403,000 | -2,570,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -580,000 | -1,059,000 | -1,403,000 | -2,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,585,000 | 18,121,000 | 17,776,000 | 16,605,000 |
| Total capital | 20,164,000 | 19,692,000 | 19,396,000 | 18,144,000 |
| Risk-weighted assets | 126,159,000 | 125,476,000 | 129,156,000 | 122,202,000 |