Call reports 2012
FNBC BANK — 2012
What FNBC BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 352,325,000 | 358,389,000 | 356,437,000 | 363,075,000 |
| Total loans | 219,094,000 | 218,183,000 | 220,184,000 | 224,167,000 |
| Allowance for loan losses | 3,931,000 | 3,744,000 | 3,689,000 | 3,829,000 |
| Securities available for sale | 94,092,000 | 102,079,000 | 98,974,000 | 97,446,000 |
| Securities held to maturity | 5,713,000 | 5,617,000 | 5,400,000 | 6,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,544,000 | 298,394,000 | 291,657,000 | 282,835,000 |
| Interest-bearing deposits | 252,733,000 | 252,864,000 | 246,598,000 | 237,373,000 |
| Noninterest-bearing deposits | 42,811,000 | 45,530,000 | 45,059,000 | 45,462,000 |
| Equity capital | 36,072,000 | 37,050,000 | 38,920,000 | 38,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,585,000 | 8,988,000 | 13,312,000 | 17,543,000 |
| Interest expense | 747,000 | 1,409,000 | 2,004,000 | 2,500,000 |
| Net interest income | 3,838,000 | 7,579,000 | 11,308,000 | 15,043,000 |
| Noninterest income | 693,000 | 1,423,000 | 2,137,000 | 2,898,000 |
| Noninterest expense | 3,247,000 | 6,440,000 | 9,656,000 | 12,923,000 |
| Provision for loan losses | 273,000 | 664,000 | 911,000 | 1,934,000 |
| Pretax income | 992,000 | 1,829,000 | 2,655,000 | 3,600,000 |
| Income tax | 0 | 9,000 | 9,000 | 9,000 |
| Net income | 992,000 | 1,820,000 | 2,646,000 | 3,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,939,000 | 35,966,000 | 36,122,000 | 35,922,000 |
| Total capital | 39,018,000 | 39,068,000 | 39,138,000 | 38,984,000 |
| Risk-weighted assets | 245,462,000 | 247,544,000 | 240,629,000 | 244,338,000 |