Call reports 2013
FNBC BANK — 2013
What FNBC BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 372,300,000 | 374,492,000 | 375,166,000 | 367,783,000 |
| Total loans | 225,748,000 | 225,837,000 | 227,888,000 | 228,870,000 |
| Allowance for loan losses | 3,868,000 | 3,833,000 | 3,878,000 | 3,886,000 |
| Securities available for sale | 107,800,000 | 108,628,000 | 104,846,000 | 98,496,000 |
| Securities held to maturity | 6,453,000 | 6,868,000 | 9,720,000 | 9,527,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,701,000 | 271,814,000 | 270,063,000 | 271,162,000 |
| Interest-bearing deposits | 236,946,000 | 226,767,000 | 221,630,000 | 221,137,000 |
| Noninterest-bearing deposits | 46,755,000 | 45,047,000 | 48,433,000 | 50,025,000 |
| Equity capital | 39,123,000 | 37,228,000 | 35,699,000 | 35,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,973,000 | 7,874,000 | 11,882,000 | 15,863,000 |
| Interest expense | 407,000 | 749,000 | 1,062,000 | 1,357,000 |
| Net interest income | 3,566,000 | 7,125,000 | 10,820,000 | 14,506,000 |
| Noninterest income | 688,000 | 1,426,000 | 2,179,000 | 2,996,000 |
| Noninterest expense | 3,231,000 | 6,584,000 | 9,799,000 | 12,987,000 |
| Provision for loan losses | 75,000 | 231,000 | 541,000 | 746,000 |
| Pretax income | 668,000 | 1,449,000 | 2,362,000 | 3,513,000 |
| Income tax | 7,000 | 7,000 | 7,000 | 7,000 |
| Net income | 661,000 | 1,442,000 | 2,355,000 | 3,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,583,000 | 37,362,000 | 35,923,000 | 35,921,000 |
| Total capital | 39,601,000 | 40,396,000 | 38,973,000 | 38,960,000 |
| Risk-weighted assets | 240,611,000 | 241,957,000 | 243,201,000 | 242,215,000 |