Call reports 2002
FNBC BANK — 2002
What FNBC BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 221,182,000 | 225,210,000 | 237,326,000 | 238,088,000 |
| Total loans | 155,968,000 | 159,517,000 | 166,830,000 | 174,269,000 |
| Allowance for loan losses | 1,724,000 | 1,792,000 | 1,829,000 | 1,822,000 |
| Securities available for sale | 42,323,000 | 44,262,000 | 48,529,000 | 43,189,000 |
| Securities held to maturity | 6,766,000 | 6,421,000 | 5,811,000 | 5,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,063,000 | 181,065,000 | 179,805,000 | 183,675,000 |
| Interest-bearing deposits | 160,382,000 | 159,649,000 | 157,480,000 | 160,163,000 |
| Noninterest-bearing deposits | 20,681,000 | 21,416,000 | 22,325,000 | 23,512,000 |
| Equity capital | 17,894,000 | 19,488,000 | 21,472,000 | 19,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,856,000 | 7,662,000 | 11,651,000 | 15,581,000 |
| Interest expense | 1,606,000 | 3,097,000 | 4,587,000 | 6,013,000 |
| Net interest income | 2,250,000 | 4,565,000 | 7,064,000 | 9,568,000 |
| Noninterest income | 578,000 | 1,243,000 | 1,969,000 | 2,685,000 |
| Noninterest expense | 1,751,000 | 3,581,000 | 5,532,000 | 7,494,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,023,000 | 2,084,000 | 3,268,000 | 4,460,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,023,000 | 2,084,000 | 3,268,000 | 4,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,096,000 | 17,811,000 | 18,691,000 | 17,812,000 |
| Total capital | 18,820,000 | 19,603,000 | 20,520,000 | 19,634,000 |
| Risk-weighted assets | 142,795,000 | 146,115,000 | 154,109,000 | 158,280,000 |