Call reports 2016
FNBC BANK AND TRUST — 2016
What FNBC BANK AND TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 554,409,000 | 540,150,000 | 526,126,000 | 519,603,000 |
| Total loans | 289,155,000 | 304,245,000 | 300,739,000 | 298,566,000 |
| Allowance for loan losses | 3,183,000 | 3,210,000 | 3,099,000 | 3,021,000 |
| Securities available for sale | 186,049,000 | 180,036,000 | 175,014,000 | 169,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,302,000 | 485,646,000 | 471,072,000 | 467,211,000 |
| Interest-bearing deposits | 320,474,000 | 310,344,000 | 303,353,000 | 307,787,000 |
| Noninterest-bearing deposits | 180,828,000 | 175,302,000 | 167,719,000 | 159,424,000 |
| Equity capital | 51,514,000 | 52,778,000 | 52,929,000 | 50,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,146,000 | 8,255,000 | 12,377,000 | 16,501,000 |
| Interest expense | 113,000 | 224,000 | 331,000 | 433,000 |
| Net interest income | 4,033,000 | 8,031,000 | 12,046,000 | 16,068,000 |
| Noninterest income | 1,356,000 | 2,536,000 | 3,716,000 | 4,853,000 |
| Noninterest expense | 4,086,000 | 8,132,000 | 12,070,000 | 15,697,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,303,000 | 2,492,000 | 3,749,000 | 5,281,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 48,000 |
| Net income | 1,291,000 | 2,468,000 | 3,713,000 | 5,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,033,000 | 48,460,000 | 48,955,000 | 49,474,000 |
| Total capital | 51,216,000 | 51,670,000 | 52,054,000 | 52,495,000 |
| Risk-weighted assets | 305,668,000 | 321,177,000 | 313,506,000 | 308,785,000 |