Call reports 2013
FNBC BANK AND TRUST — 2013
What FNBC BANK AND TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 186,783,000 | 190,086,000 | 195,129,000 | 198,558,000 |
| Total loans | 124,194,000 | 125,956,000 | 123,863,000 | 123,615,000 |
| Allowance for loan losses | 2,201,000 | 2,187,000 | 2,280,000 | 1,538,000 |
| Securities available for sale | 30,715,000 | 29,465,000 | 34,257,000 | 38,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,701,000 | 172,316,000 | 177,489,000 | 180,959,000 |
| Interest-bearing deposits | 113,511,000 | 111,933,000 | 113,363,000 | 114,523,000 |
| Noninterest-bearing deposits | 55,190,000 | 60,383,000 | 64,126,000 | 66,436,000 |
| Equity capital | 17,334,000 | 17,151,000 | 16,869,000 | 16,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,741,000 | 3,528,000 | 5,421,000 | 7,187,000 |
| Interest expense | 82,000 | 165,000 | 258,000 | 352,000 |
| Net interest income | 1,659,000 | 3,363,000 | 5,163,000 | 6,835,000 |
| Noninterest income | 294,000 | 588,000 | 1,006,000 | 1,219,000 |
| Noninterest expense | 1,984,000 | 3,987,000 | 6,164,000 | 8,071,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 815,000 |
| Pretax income | -181,000 | -336,000 | -445,000 | -832,000 |
| Income tax | 0 | 0 | -27,000 | -42,000 |
| Net income | -181,000 | -336,000 | -418,000 | -790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,648,000 | 15,493,000 | 15,661,000 | 15,539,000 |
| Total capital | 17,212,000 | 17,058,000 | 17,163,000 | 17,043,000 |
| Risk-weighted assets | 124,464,000 | 124,578,000 | 119,403,000 | 120,348,000 |
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