Call reports 2012
FNBC BANK AND TRUST — 2012
What FNBC BANK AND TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 184,009,000 | 186,292,000 | 186,470,000 | 184,867,000 |
| Total loans | 121,763,000 | 121,402,000 | 120,581,000 | 120,010,000 |
| Allowance for loan losses | 2,201,000 | 2,206,000 | 2,113,000 | 2,251,000 |
| Securities available for sale | 29,751,000 | 30,444,000 | 33,199,000 | 32,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,493,000 | 167,896,000 | 168,224,000 | 166,719,000 |
| Interest-bearing deposits | 116,116,000 | 111,158,000 | 111,451,000 | 111,460,000 |
| Noninterest-bearing deposits | 49,377,000 | 56,738,000 | 56,773,000 | 55,259,000 |
| Equity capital | 18,022,000 | 17,945,000 | 17,793,000 | 17,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,809,000 | 3,580,000 | 5,316,000 | 7,068,000 |
| Interest expense | 144,000 | 248,000 | 349,000 | 442,000 |
| Net interest income | 1,665,000 | 3,332,000 | 4,967,000 | 6,626,000 |
| Noninterest income | 262,000 | 632,000 | 929,000 | 1,004,000 |
| Noninterest expense | 1,876,000 | 3,879,000 | 5,884,000 | 7,961,000 |
| Provision for loan losses | 150,000 | 400,000 | 550,000 | 700,000 |
| Pretax income | -99,000 | -315,000 | -538,000 | -1,031,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -99,000 | -315,000 | -538,000 | -1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,510,000 | 16,292,000 | 16,069,000 | 15,829,000 |
| Total capital | 17,949,000 | 17,694,000 | 17,542,000 | 17,362,000 |
| Risk-weighted assets | 118,274,000 | 117,790,000 | 117,203,000 | 122,025,000 |