Call reports 2014
FNBC BANK AND TRUST — 2014
What FNBC BANK AND TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 189,637,000 | 193,766,000 | 186,730,000 | 511,948,000 |
| Total loans | 122,106,000 | 114,973,000 | 110,882,000 | 274,646,000 |
| Allowance for loan losses | 1,677,000 | 1,843,000 | 1,867,000 | 3,492,000 |
| Securities available for sale | 33,144,000 | 43,243,000 | 39,117,000 | 161,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,637,000 | 175,965,000 | 169,082,000 | 462,345,000 |
| Interest-bearing deposits | 114,739,000 | 112,116,000 | 108,311,000 | 302,357,000 |
| Noninterest-bearing deposits | 56,898,000 | 63,849,000 | 60,771,000 | 159,988,000 |
| Equity capital | 17,270,000 | 17,178,000 | 17,019,000 | 48,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,645,000 | 3,266,000 | 4,810,000 | 15,514,000 |
| Interest expense | 87,000 | 170,000 | 255,000 | 625,000 |
| Net interest income | 1,558,000 | 3,096,000 | 4,555,000 | 14,889,000 |
| Noninterest income | 282,000 | 340,000 | 375,000 | 4,854,000 |
| Noninterest expense | 1,847,000 | 3,672,000 | 5,545,000 | 16,802,000 |
| Provision for loan losses | 101,000 | 168,000 | 201,000 | -99,000 |
| Pretax income | -40,000 | -336,000 | -698,000 | 3,158,000 |
| Income tax | 0 | 0 | 0 | 21,000 |
| Net income | -40,000 | -336,000 | -698,000 | 3,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,749,000 | 15,703,000 | 15,590,000 | 46,120,000 |
| Total capital | 17,238,000 | 17,073,000 | 16,953,000 | 49,422,000 |
| Risk-weighted assets | 118,893,000 | 112,291,000 | 108,539,000 | 282,090,000 |