Call reports 2004
FNBC BANK — 2004
What FNBC BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 260,727,000 | 272,960,000 | 285,837,000 | 291,538,000 |
| Total loans | 202,208,000 | 210,894,000 | 220,945,000 | 226,755,000 |
| Allowance for loan losses | 2,015,000 | 2,105,000 | 2,258,000 | 2,345,000 |
| Securities available for sale | 36,255,000 | 39,346,000 | 40,168,000 | 41,204,000 |
| Securities held to maturity | 3,458,000 | 3,447,000 | 2,790,000 | 2,777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,421,000 | 221,215,000 | 234,465,000 | 241,563,000 |
| Interest-bearing deposits | 182,348,000 | 192,467,000 | 203,558,000 | 212,033,000 |
| Noninterest-bearing deposits | 28,073,000 | 28,748,000 | 30,907,000 | 29,530,000 |
| Equity capital | 22,997,000 | 22,719,000 | 24,580,000 | 23,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,114,000 | 8,229,000 | 12,588,000 | 17,072,000 |
| Interest expense | 1,104,000 | 2,236,000 | 3,471,000 | 4,845,000 |
| Net interest income | 3,010,000 | 5,993,000 | 9,117,000 | 12,227,000 |
| Noninterest income | 964,000 | 1,897,000 | 2,868,000 | 3,809,000 |
| Noninterest expense | 2,308,000 | 4,656,000 | 7,069,000 | 9,786,000 |
| Provision for loan losses | 90,000 | 220,000 | 400,000 | 580,000 |
| Pretax income | 1,576,000 | 3,014,000 | 4,516,000 | 5,670,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,576,000 | 3,014,000 | 4,516,000 | 5,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,183,000 | 21,004,000 | 21,952,000 | 21,020,000 |
| Total capital | 22,198,000 | 23,109,000 | 24,210,000 | 23,365,000 |
| Risk-weighted assets | 181,862,000 | 190,548,000 | 200,633,000 | 206,637,000 |