Call reports 2005
FNBC BANK — 2005
What FNBC BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 294,617,000 | 301,131,000 | 309,907,000 | 321,043,000 |
| Total loans | 228,377,000 | 232,245,000 | 241,677,000 | 252,697,000 |
| Allowance for loan losses | 2,332,000 | 2,393,000 | 2,437,000 | 2,538,000 |
| Securities available for sale | 41,758,000 | 40,770,000 | 39,097,000 | 39,146,000 |
| Securities held to maturity | 2,580,000 | 2,534,000 | 2,496,000 | 2,232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,260,000 | 250,845,000 | 247,105,000 | 254,258,000 |
| Interest-bearing deposits | 218,035,000 | 218,217,000 | 212,467,000 | 218,782,000 |
| Noninterest-bearing deposits | 30,225,000 | 32,628,000 | 34,638,000 | 35,476,000 |
| Equity capital | 23,925,000 | 25,317,000 | 25,568,000 | 24,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,571,000 | 9,279,000 | 14,180,000 | 19,323,000 |
| Interest expense | 1,411,000 | 2,935,000 | 4,537,000 | 6,372,000 |
| Net interest income | 3,160,000 | 6,344,000 | 9,643,000 | 12,951,000 |
| Noninterest income | 998,000 | 1,974,000 | 3,007,000 | 3,525,000 |
| Noninterest expense | 2,477,000 | 5,177,000 | 7,984,000 | 10,298,000 |
| Provision for loan losses | 134,000 | 290,000 | 409,000 | 685,000 |
| Pretax income | 1,872,000 | 3,176,000 | 4,582,000 | 5,815,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,872,000 | 3,176,000 | 4,582,000 | 5,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,275,000 | 22,926,000 | 23,703,000 | 23,480,000 |
| Total capital | 24,607,000 | 25,319,000 | 26,140,000 | 26,018,000 |
| Risk-weighted assets | 207,342,000 | 210,248,000 | 219,615,000 | 235,095,000 |