Call reports 2015
FNBC BANK AND TRUST — 2015
What FNBC BANK AND TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 516,492,000 | 542,352,000 | 532,282,000 | 543,654,000 |
| Total loans | 268,570,000 | 270,921,000 | 283,341,000 | 286,087,000 |
| Allowance for loan losses | 3,514,000 | 3,501,000 | 3,410,000 | 3,190,000 |
| Securities available for sale | 157,231,000 | 172,129,000 | 181,098,000 | 185,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,107,000 | 492,237,000 | 480,864,000 | 492,560,000 |
| Interest-bearing deposits | 309,003,000 | 308,722,000 | 304,502,000 | 320,024,000 |
| Noninterest-bearing deposits | 157,104,000 | 183,515,000 | 176,362,000 | 172,536,000 |
| Equity capital | 49,332,000 | 48,829,000 | 49,986,000 | 49,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,699,000 | 7,485,000 | 11,432,000 | 15,413,000 |
| Interest expense | 123,000 | 247,000 | 370,000 | 488,000 |
| Net interest income | 3,576,000 | 7,238,000 | 11,062,000 | 14,925,000 |
| Noninterest income | 1,100,000 | 2,251,000 | 3,123,000 | 4,724,000 |
| Noninterest expense | 4,169,000 | 8,329,000 | 12,662,000 | 16,870,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 634,000 | 1,287,000 | 1,650,000 | 2,906,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 36,000 |
| Net income | 625,000 | 1,269,000 | 1,623,000 | 2,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,746,000 | 46,640,000 | 46,994,000 | 47,491,000 |
| Total capital | 50,260,000 | 50,141,000 | 50,404,000 | 50,681,000 |
| Risk-weighted assets | 282,603,000 | 290,106,000 | 302,833,000 | 306,908,000 |