Call reports 2011
FNBC BANK — 2011
What FNBC BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 364,409,000 | 362,476,000 | 364,055,000 | 359,802,000 |
| Total loans | 237,992,000 | 232,720,000 | 227,646,000 | 223,207,000 |
| Allowance for loan losses | 3,470,000 | 3,508,000 | 3,719,000 | 3,809,000 |
| Securities available for sale | 86,016,000 | 90,874,000 | 97,438,000 | 97,236,000 |
| Securities held to maturity | 6,075,000 | 5,978,000 | 6,034,000 | 5,935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,808,000 | 303,676,000 | 295,894,000 | 292,296,000 |
| Interest-bearing deposits | 262,938,000 | 261,560,000 | 255,064,000 | 250,758,000 |
| Noninterest-bearing deposits | 39,870,000 | 42,116,000 | 40,830,000 | 41,538,000 |
| Equity capital | 34,677,000 | 36,408,000 | 38,190,000 | 35,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,010,000 | 9,958,000 | 14,907,000 | 19,751,000 |
| Interest expense | 1,052,000 | 2,018,000 | 2,908,000 | 3,742,000 |
| Net interest income | 3,958,000 | 7,940,000 | 11,999,000 | 16,009,000 |
| Noninterest income | 695,000 | 1,444,000 | 2,201,000 | 3,057,000 |
| Noninterest expense | 3,893,000 | 7,183,000 | 10,258,000 | 13,374,000 |
| Provision for loan losses | 476,000 | 648,000 | 1,127,000 | 1,818,000 |
| Pretax income | 19,000 | 1,110,000 | 2,117,000 | 3,015,000 |
| Income tax | 0 | 10,000 | 10,000 | 10,000 |
| Net income | 19,000 | 1,100,000 | 2,107,000 | 3,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,395,000 | 38,155,000 | 38,843,000 | 35,920,000 |
| Total capital | 40,741,000 | 41,455,000 | 42,082,000 | 39,087,000 |
| Risk-weighted assets | 267,576,000 | 263,807,000 | 258,615,000 | 252,744,000 |