Call reports 2020
FNBC BANK AND TRUST — 2020
What FNBC BANK AND TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 538,085,000 | 602,271,000 | 584,768,000 | 621,693,000 |
| Total loans | 296,761,000 | 321,650,000 | 328,466,000 | 325,005,000 |
| Allowance for loan losses | 3,352,000 | 3,612,000 | 3,681,000 | 3,814,000 |
| Securities available for sale | 167,834,000 | 160,787,000 | 156,073,000 | 170,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 476,066,000 | 538,388,000 | 520,323,000 | 556,893,000 |
| Interest-bearing deposits | 296,033,000 | 314,307,000 | 311,251,000 | 335,260,000 |
| Noninterest-bearing deposits | 180,033,000 | 224,081,000 | 209,072,000 | 221,633,000 |
| Equity capital | 60,328,000 | 60,468,000 | 61,189,000 | 61,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,628,000 | 8,925,000 | 13,258,000 | 17,698,000 |
| Interest expense | 259,000 | 393,000 | 501,000 | 599,000 |
| Net interest income | 4,369,000 | 8,532,000 | 12,757,000 | 17,099,000 |
| Noninterest income | 1,439,000 | 2,677,000 | 3,845,000 | 5,038,000 |
| Noninterest expense | 4,017,000 | 7,972,000 | 12,016,000 | 15,822,000 |
| Provision for loan losses | 220,000 | 470,000 | 595,000 | 720,000 |
| Pretax income | 1,571,000 | 2,830,000 | 4,051,000 | 5,640,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 72,000 |
| Net income | 1,553,000 | 2,794,000 | 3,997,000 | 5,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,682,000 | 53,673,000 | 54,877,000 | 55,448,000 |
| Total capital | 57,034,000 | 57,285,000 | 58,558,000 | 59,262,000 |
| Risk-weighted assets | 312,107,000 | 303,997,000 | 306,624,000 | 307,677,000 |