Call reports 2021
FNBC BANK AND TRUST — 2021
What FNBC BANK AND TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 637,414,000 | 644,693,000 | 656,849,000 | 661,841,000 |
| Total loans | 334,735,000 | 318,810,000 | 315,813,000 | 298,361,000 |
| Allowance for loan losses | 3,821,000 | 3,665,000 | 3,692,000 | 3,700,000 |
| Securities available for sale | 207,331,000 | 237,405,000 | 250,247,000 | 272,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 575,854,000 | 582,680,000 | 594,530,000 | 601,557,000 |
| Interest-bearing deposits | 348,419,000 | 348,432,000 | 360,428,000 | 364,586,000 |
| Noninterest-bearing deposits | 227,435,000 | 234,248,000 | 234,102,000 | 236,971,000 |
| Equity capital | 59,083,000 | 59,045,000 | 59,632,000 | 57,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,477,000 | 8,932,000 | 13,377,000 | 17,932,000 |
| Interest expense | 95,000 | 191,000 | 291,000 | 391,000 |
| Net interest income | 4,382,000 | 8,741,000 | 13,086,000 | 17,541,000 |
| Noninterest income | 1,181,000 | 1,729,000 | 3,119,000 | 4,469,000 |
| Noninterest expense | 4,203,000 | 8,345,000 | 12,380,000 | 16,322,000 |
| Provision for loan losses | 0 | -150,000 | -150,000 | -150,000 |
| Pretax income | 1,322,000 | 2,225,000 | 3,929,000 | 5,738,000 |
| Income tax | 18,000 | 36,000 | 57,000 | 84,000 |
| Net income | 1,304,000 | 2,189,000 | 3,872,000 | 5,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,751,000 | 55,636,000 | 56,470,000 | 57,101,000 |
| Total capital | 59,572,000 | 59,301,000 | 60,162,000 | 60,801,000 |
| Risk-weighted assets | 308,851,000 | 306,241,000 | 309,672,000 | 298,215,000 |
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