Call reports 2018
FNBC BANK AND TRUST — 2018
What FNBC BANK AND TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 522,814,000 | 539,155,000 | 514,715,000 | 526,962,000 |
| Total loans | 307,740,000 | 311,943,000 | 312,308,000 | 304,250,000 |
| Allowance for loan losses | 3,030,000 | 3,068,000 | 3,028,000 | 3,076,000 |
| Securities available for sale | 160,286,000 | 160,917,000 | 158,045,000 | 161,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,375,000 | 486,782,000 | 462,074,000 | 472,685,000 |
| Interest-bearing deposits | 301,326,000 | 302,353,000 | 299,065,000 | 297,755,000 |
| Noninterest-bearing deposits | 169,049,000 | 184,429,000 | 163,009,000 | 174,930,000 |
| Equity capital | 50,632,000 | 50,526,000 | 50,418,000 | 51,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,301,000 | 8,750,000 | 13,369,000 | 18,025,000 |
| Interest expense | 124,000 | 284,000 | 500,000 | 750,000 |
| Net interest income | 4,177,000 | 8,466,000 | 12,869,000 | 17,275,000 |
| Noninterest income | 1,455,000 | 2,814,000 | 4,148,000 | 5,533,000 |
| Noninterest expense | 3,948,000 | 7,921,000 | 11,980,000 | 16,112,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 1,684,000 | 3,367,000 | 5,045,000 | 6,604,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 70,000 |
| Net income | 1,669,000 | 3,337,000 | 5,000,000 | 6,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,848,000 | 52,010,000 | 52,424,000 | 52,709,000 |
| Total capital | 54,878,000 | 55,078,000 | 55,452,000 | 55,785,000 |
| Risk-weighted assets | 321,511,000 | 320,337,000 | 320,876,000 | 310,028,000 |