Call reports 2010
FNBC BANK — 2010
What FNBC BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 382,762,000 | 384,649,000 | 385,976,000 | 363,416,000 |
| Total loans | 265,405,000 | 260,959,000 | 256,909,000 | 246,432,000 |
| Allowance for loan losses | 3,589,000 | 3,939,000 | 3,757,000 | 3,708,000 |
| Securities available for sale | 75,037,000 | 77,021,000 | 80,645,000 | 76,538,000 |
| Securities held to maturity | 5,918,000 | 6,260,000 | 6,290,000 | 6,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,691,000 | 311,501,000 | 311,472,000 | 295,846,000 |
| Interest-bearing deposits | 272,823,000 | 276,457,000 | 276,067,000 | 260,351,000 |
| Noninterest-bearing deposits | 36,868,000 | 35,044,000 | 35,405,000 | 35,495,000 |
| Equity capital | 32,841,000 | 33,955,000 | 35,376,000 | 34,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,749,000 | 11,474,000 | 17,125,000 | 22,591,000 |
| Interest expense | 1,428,000 | 2,883,000 | 4,253,000 | 5,513,000 |
| Net interest income | 4,321,000 | 8,591,000 | 12,872,000 | 17,078,000 |
| Noninterest income | 679,000 | 1,428,000 | 2,202,000 | 3,003,000 |
| Noninterest expense | 3,289,000 | 6,695,000 | 10,165,000 | 13,645,000 |
| Provision for loan losses | 631,000 | 1,450,000 | 2,174,000 | 2,952,000 |
| Pretax income | 847,000 | 1,598,000 | 1,801,000 | 2,296,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 847,000 | 1,598,000 | 1,801,000 | 2,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,655,000 | 37,780,000 | 37,655,000 | 37,694,000 |
| Total capital | 41,244,000 | 41,412,000 | 41,253,000 | 41,142,000 |
| Risk-weighted assets | 292,811,000 | 290,322,000 | 287,686,000 | 275,572,000 |