Call reports 2003
FNBC BANK — 2003
What FNBC BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 238,986,000 | 241,000,000 | 243,500,000 | 254,711,000 |
| Total loans | 177,898,000 | 179,752,000 | 186,913,000 | 194,728,000 |
| Allowance for loan losses | 1,855,000 | 1,875,000 | 1,942,000 | 1,978,000 |
| Securities available for sale | 39,135,000 | 39,883,000 | 35,208,000 | 38,464,000 |
| Securities held to maturity | 5,202,000 | 4,816,000 | 4,753,000 | 4,352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,640,000 | 186,778,000 | 199,923,000 | 204,562,000 |
| Interest-bearing deposits | 159,838,000 | 162,824,000 | 172,356,000 | 178,578,000 |
| Noninterest-bearing deposits | 23,802,000 | 23,954,000 | 27,567,000 | 25,984,000 |
| Equity capital | 20,624,000 | 22,273,000 | 22,620,000 | 21,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,773,000 | 7,538,000 | 11,382,000 | 15,302,000 |
| Interest expense | 1,319,000 | 2,581,000 | 3,716,000 | 4,813,000 |
| Net interest income | 2,454,000 | 4,957,000 | 7,666,000 | 10,489,000 |
| Noninterest income | 734,000 | 1,563,000 | 2,464,000 | 3,358,000 |
| Noninterest expense | 1,979,000 | 4,008,000 | 6,217,000 | 8,623,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,119,000 | 2,335,000 | 3,647,000 | 4,868,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,119,000 | 2,335,000 | 3,647,000 | 4,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,560,000 | 19,416,000 | 20,389,000 | 19,147,000 |
| Total capital | 20,415,000 | 21,291,000 | 22,331,000 | 21,125,000 |
| Risk-weighted assets | 160,313,000 | 167,272,000 | 167,719,000 | 175,086,000 |