Call reports 2007
FNBC BANK — 2007
What FNBC BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 370,698,000 | 372,590,000 | 375,629,000 | 395,210,000 |
| Total loans | 293,333,000 | 295,665,000 | 292,239,000 | 291,624,000 |
| Allowance for loan losses | 2,987,000 | 2,370,000 | 2,704,000 | 2,727,000 |
| Securities available for sale | 37,353,000 | 39,987,000 | 44,371,000 | 66,376,000 |
| Securities held to maturity | 1,357,000 | 1,341,000 | 1,297,000 | 1,220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,317,000 | 299,865,000 | 310,971,000 | 306,254,000 |
| Interest-bearing deposits | 236,398,000 | 264,412,000 | 274,875,000 | 269,482,000 |
| Noninterest-bearing deposits | 39,919,000 | 35,453,000 | 36,096,000 | 36,772,000 |
| Equity capital | 35,556,000 | 34,680,000 | 35,116,000 | 34,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,665,000 | 13,276,000 | 19,926,000 | 26,737,000 |
| Interest expense | 3,075,000 | 6,125,000 | 9,264,000 | 12,479,000 |
| Net interest income | 3,590,000 | 7,151,000 | 10,662,000 | 14,258,000 |
| Noninterest income | 863,000 | 1,764,000 | 2,647,000 | 3,601,000 |
| Noninterest expense | 3,045,000 | 6,077,000 | 8,976,000 | 11,897,000 |
| Provision for loan losses | 585,000 | 1,079,000 | 1,703,000 | 3,205,000 |
| Pretax income | 1,138,000 | 2,074,000 | 2,945,000 | 3,072,000 |
| Income tax | 5,000 | 5,000 | 9,000 | 21,000 |
| Net income | 1,133,000 | 2,069,000 | 2,936,000 | 3,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,550,000 | 34,360,000 | 34,388,000 | 33,802,000 |
| Total capital | 37,537,000 | 36,730,000 | 37,092,000 | 36,529,000 |
| Risk-weighted assets | 281,081,000 | 284,104,000 | 284,041,000 | 295,206,000 |