Call reports 2019
FNBC BANK AND TRUST — 2019
What FNBC BANK AND TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 517,936,000 | 529,508,000 | 520,178,000 | 531,146,000 |
| Total loans | 300,363,000 | 300,598,000 | 298,536,000 | 298,697,000 |
| Allowance for loan losses | 3,083,000 | 3,107,000 | 3,118,000 | 3,120,000 |
| Securities available for sale | 162,319,000 | 164,490,000 | 163,751,000 | 167,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,194,000 | 471,308,000 | 461,352,000 | 472,028,000 |
| Interest-bearing deposits | 298,290,000 | 294,849,000 | 291,737,000 | 299,630,000 |
| Noninterest-bearing deposits | 163,904,000 | 176,459,000 | 169,615,000 | 172,398,000 |
| Equity capital | 53,823,000 | 56,049,000 | 56,656,000 | 56,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,649,000 | 9,317,000 | 13,999,000 | 18,573,000 |
| Interest expense | 274,000 | 569,000 | 865,000 | 1,151,000 |
| Net interest income | 4,375,000 | 8,748,000 | 13,134,000 | 17,422,000 |
| Noninterest income | 1,538,000 | 2,945,000 | 4,182,000 | 5,515,000 |
| Noninterest expense | 4,185,000 | 8,366,000 | 12,429,000 | 16,212,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,728,000 | 3,318,000 | 4,876,000 | 6,714,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 78,000 |
| Net income | 1,710,000 | 3,282,000 | 4,822,000 | 6,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,171,000 | 53,270,000 | 53,316,000 | 53,629,000 |
| Total capital | 56,254,000 | 56,377,000 | 56,434,000 | 56,749,000 |
| Risk-weighted assets | 307,984,000 | 310,706,000 | 310,771,000 | 314,429,000 |