Call reports 2016
FNBC BANK — 2016
What FNBC BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 375,588,000 | 383,071,000 | 403,340,000 | 421,173,000 |
| Total loans | 236,813,000 | 250,312,000 | 275,930,000 | 299,383,000 |
| Allowance for loan losses | 4,043,000 | 4,167,000 | 4,291,000 | 4,576,000 |
| Securities available for sale | 99,308,000 | 95,705,000 | 91,332,000 | 85,509,000 |
| Securities held to maturity | 6,663,000 | 6,527,000 | 6,326,000 | 6,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,245,000 | 268,600,000 | 270,169,000 | 278,042,000 |
| Interest-bearing deposits | 197,925,000 | 198,202,000 | 196,493,000 | 202,364,000 |
| Noninterest-bearing deposits | 69,320,000 | 70,398,000 | 73,676,000 | 75,678,000 |
| Equity capital | 32,731,000 | 33,346,000 | 34,712,000 | 35,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,898,000 | 8,005,000 | 12,234,000 | 16,689,000 |
| Interest expense | 574,000 | 1,259,000 | 1,954,000 | 2,670,000 |
| Net interest income | 3,324,000 | 6,746,000 | 10,280,000 | 14,019,000 |
| Noninterest income | 589,000 | 1,129,000 | 1,906,000 | 2,713,000 |
| Noninterest expense | 3,198,000 | 6,658,000 | 9,891,000 | 13,426,000 |
| Provision for loan losses | 0 | 200,000 | 375,000 | 715,000 |
| Pretax income | 714,000 | 1,450,000 | 2,349,000 | 3,021,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 714,000 | 1,450,000 | 2,349,000 | 3,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,500,000 | 39,235,000 | 40,136,000 | 39,808,000 |
| Total capital | 41,777,000 | 42,652,000 | 43,862,000 | 43,812,000 |
| Risk-weighted assets | 261,392,000 | 272,622,000 | 297,492,000 | 319,718,000 |