Call reports 2014
FNBC BANK — 2014
What FNBC BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 368,977,000 | 366,154,000 | 366,797,000 | 357,752,000 |
| Total loans | 227,534,000 | 225,348,000 | 225,608,000 | 226,544,000 |
| Allowance for loan losses | 3,895,000 | 3,933,000 | 3,857,000 | 4,014,000 |
| Securities available for sale | 99,898,000 | 100,311,000 | 98,840,000 | 91,805,000 |
| Securities held to maturity | 9,328,000 | 9,157,000 | 8,953,000 | 9,027,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,830,000 | 270,932,000 | 265,898,000 | 268,731,000 |
| Interest-bearing deposits | 222,485,000 | 216,604,000 | 211,289,000 | 207,087,000 |
| Noninterest-bearing deposits | 53,345,000 | 54,328,000 | 54,609,000 | 61,644,000 |
| Equity capital | 36,796,000 | 37,468,000 | 38,521,000 | 34,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,779,000 | 7,791,000 | 11,674,000 | 15,535,000 |
| Interest expense | 288,000 | 577,000 | 856,000 | 1,127,000 |
| Net interest income | 3,491,000 | 7,214,000 | 10,818,000 | 14,408,000 |
| Noninterest income | 710,000 | 1,563,000 | 2,331,000 | 3,150,000 |
| Noninterest expense | 3,166,000 | 6,369,000 | 9,464,000 | 12,984,000 |
| Provision for loan losses | 104,000 | 290,000 | 384,000 | 475,000 |
| Pretax income | 915,000 | 2,087,000 | 3,269,000 | 4,127,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 910,000 | 2,082,000 | 3,264,000 | 4,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,831,000 | 38,004,000 | 39,183,000 | 36,952,000 |
| Total capital | 39,859,000 | 41,012,000 | 42,202,000 | 39,958,000 |
| Risk-weighted assets | 241,377,000 | 239,715,000 | 240,701,000 | 239,462,000 |