Call reports 2015
FNBC BANK — 2015
What FNBC BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 359,627,000 | 367,688,000 | 374,583,000 | 375,191,000 |
| Total loans | 231,390,000 | 236,584,000 | 242,214,000 | 236,550,000 |
| Allowance for loan losses | 4,030,000 | 4,077,000 | 4,088,000 | 4,152,000 |
| Securities available for sale | 93,177,000 | 93,939,000 | 94,150,000 | 93,494,000 |
| Securities held to maturity | 7,070,000 | 6,914,000 | 6,754,000 | 6,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,815,000 | 264,441,000 | 262,323,000 | 267,695,000 |
| Interest-bearing deposits | 205,094,000 | 203,122,000 | 200,498,000 | 198,556,000 |
| Noninterest-bearing deposits | 62,721,000 | 61,319,000 | 61,825,000 | 69,139,000 |
| Equity capital | 34,228,000 | 35,305,000 | 34,861,000 | 33,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,787,000 | 7,659,000 | 11,622,000 | 15,641,000 |
| Interest expense | 210,000 | 687,000 | 1,405,000 | 2,122,000 |
| Net interest income | 3,577,000 | 6,972,000 | 10,217,000 | 13,519,000 |
| Noninterest income | 663,000 | 1,380,000 | 2,103,000 | 2,858,000 |
| Noninterest expense | 3,232,000 | 6,539,000 | 9,744,000 | 13,035,000 |
| Provision for loan losses | 0 | 132,000 | 242,000 | 362,000 |
| Pretax income | 985,000 | 1,646,000 | 2,295,000 | 3,335,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 983,000 | 1,644,000 | 2,293,000 | 3,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,935,000 | 38,597,000 | 39,245,000 | 37,786,000 |
| Total capital | 40,967,000 | 41,819,000 | 42,528,000 | 41,051,000 |
| Risk-weighted assets | 241,615,000 | 256,897,000 | 261,849,000 | 260,331,000 |