Call reports 2008
FNBC BANK — 2008
What FNBC BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 415,740,000 | 418,997,000 | 411,280,000 | 398,198,000 |
| Total loans | 288,457,000 | 295,332,000 | 293,073,000 | 286,361,000 |
| Allowance for loan losses | 3,235,000 | 2,988,000 | 3,168,000 | 2,880,000 |
| Securities available for sale | 87,417,000 | 82,664,000 | 77,476,000 | 71,322,000 |
| Securities held to maturity | 1,184,000 | 1,051,000 | 2,637,000 | 3,311,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,108,000 | 291,138,000 | 296,685,000 | 296,637,000 |
| Interest-bearing deposits | 260,635,000 | 250,610,000 | 259,760,000 | 259,623,000 |
| Noninterest-bearing deposits | 40,473,000 | 40,528,000 | 36,925,000 | 37,014,000 |
| Equity capital | 36,410,000 | 34,565,000 | 31,067,000 | 28,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,873,000 | 13,875,000 | 20,621,000 | 27,203,000 |
| Interest expense | 3,099,000 | 5,757,000 | 8,477,000 | 11,000,000 |
| Net interest income | 3,774,000 | 8,118,000 | 12,144,000 | 16,203,000 |
| Noninterest income | 795,000 | 1,667,000 | 2,540,000 | 3,382,000 |
| Noninterest expense | 3,065,000 | 6,561,000 | 10,035,000 | 13,785,000 |
| Provision for loan losses | 232,000 | 469,000 | 1,359,000 | 1,497,000 |
| Pretax income | 1,272,000 | 2,755,000 | 3,287,000 | 4,811,000 |
| Income tax | 3,000 | -1,000 | -1,000 | -1,000 |
| Net income | 1,269,000 | 2,756,000 | 3,288,000 | 4,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,658,000 | 35,336,000 | 35,410,000 | 35,900,000 |
| Total capital | 37,893,000 | 38,324,000 | 38,578,000 | 38,780,000 |
| Risk-weighted assets | 306,271,000 | 312,099,000 | 313,294,000 | 313,335,000 |