Call reports 2009
FNBC BANK — 2009
What FNBC BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 394,428,000 | 391,449,000 | 389,150,000 | 382,760,000 |
| Total loans | 285,007,000 | 280,514,000 | 277,439,000 | 272,786,000 |
| Allowance for loan losses | 2,902,000 | 2,855,000 | 3,015,000 | 3,286,000 |
| Securities available for sale | 66,481,000 | 69,974,000 | 71,091,000 | 68,087,000 |
| Securities held to maturity | 4,465,000 | 4,392,000 | 4,328,000 | 5,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,998,000 | 294,807,000 | 298,897,000 | 308,150,000 |
| Interest-bearing deposits | 266,540,000 | 256,249,000 | 261,547,000 | 270,030,000 |
| Noninterest-bearing deposits | 41,458,000 | 38,558,000 | 37,350,000 | 38,120,000 |
| Equity capital | 26,015,000 | 31,578,000 | 32,982,000 | 31,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,212,000 | 12,681,000 | 19,074,000 | 25,128,000 |
| Interest expense | 2,182,000 | 4,202,000 | 5,948,000 | 7,685,000 |
| Net interest income | 4,030,000 | 8,479,000 | 13,126,000 | 17,443,000 |
| Noninterest income | 1,006,000 | 1,763,000 | 2,527,000 | 3,387,000 |
| Noninterest expense | 3,486,000 | 7,002,000 | 10,659,000 | 14,136,000 |
| Provision for loan losses | 456,000 | 772,000 | 1,409,000 | 2,085,000 |
| Pretax income | 1,094,000 | 2,011,000 | 3,105,000 | 3,516,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,094,000 | 2,011,000 | 3,105,000 | 3,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,860,000 | 37,057,000 | 37,753,000 | 36,947,000 |
| Total capital | 39,762,000 | 39,912,000 | 40,768,000 | 40,233,000 |
| Risk-weighted assets | 311,389,000 | 304,419,000 | 302,462,000 | 300,555,000 |