Call reports 2006
FNBC BANK — 2006
What FNBC BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 325,077,000 | 337,086,000 | 365,944,000 | 373,794,000 |
| Total loans | 256,543,000 | 263,908,000 | 277,256,000 | 279,785,000 |
| Allowance for loan losses | 2,514,000 | 2,549,000 | 2,805,000 | 2,757,000 |
| Securities available for sale | 39,171,000 | 37,732,000 | 54,110,000 | 55,659,000 |
| Securities held to maturity | 2,001,000 | 1,680,000 | 1,638,000 | 1,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,905,000 | 263,470,000 | 268,259,000 | 272,617,000 |
| Interest-bearing deposits | 227,283,000 | 226,455,000 | 233,354,000 | 237,871,000 |
| Noninterest-bearing deposits | 37,622,000 | 37,015,000 | 34,905,000 | 34,746,000 |
| Equity capital | 24,829,000 | 24,556,000 | 26,676,000 | 34,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,426,000 | 11,074,000 | 17,345,000 | 23,846,000 |
| Interest expense | 1,967,000 | 4,181,000 | 6,883,000 | 9,878,000 |
| Net interest income | 3,459,000 | 6,893,000 | 10,462,000 | 13,968,000 |
| Noninterest income | 730,000 | 1,551,000 | 2,444,000 | 3,293,000 |
| Noninterest expense | 2,807,000 | 5,780,000 | 8,416,000 | 11,290,000 |
| Provision for loan losses | 349,000 | 530,000 | 972,000 | 1,083,000 |
| Pretax income | 1,033,000 | 2,134,000 | 3,494,000 | 4,864,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,033,000 | 2,134,000 | 3,494,000 | 4,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,884,000 | 24,361,000 | 25,092,000 | 33,544,000 |
| Total capital | 26,398,000 | 26,910,000 | 27,896,000 | 36,301,000 |
| Risk-weighted assets | 238,533,000 | 247,642,000 | 265,482,000 | 270,896,000 |