Call reports 2018
FNBC BANK — 2018
What FNBC BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 441,378,000 | 444,999,000 | 451,028,000 | 464,018,000 |
| Total loans | 326,721,000 | 327,085,000 | 327,877,000 | 342,902,000 |
| Allowance for loan losses | 5,550,000 | 5,766,000 | 5,768,000 | 5,978,000 |
| Securities available for sale | 80,473,000 | 82,482,000 | 84,784,000 | 86,084,000 |
| Securities held to maturity | 5,437,000 | 5,290,000 | 5,649,000 | 5,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,177,000 | 332,617,000 | 338,122,000 | 350,310,000 |
| Interest-bearing deposits | 238,832,000 | 241,709,000 | 249,545,000 | 258,696,000 |
| Noninterest-bearing deposits | 85,345,000 | 90,908,000 | 88,577,000 | 91,614,000 |
| Equity capital | 40,691,000 | 43,228,000 | 44,141,000 | 42,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,989,000 | 9,889,000 | 15,045,000 | 20,418,000 |
| Interest expense | 903,000 | 1,828,000 | 2,802,000 | 3,878,000 |
| Net interest income | 4,086,000 | 8,061,000 | 12,243,000 | 16,540,000 |
| Noninterest income | 837,000 | 1,734,000 | 2,837,000 | 3,748,000 |
| Noninterest expense | 3,264,000 | 6,475,000 | 9,986,000 | 13,594,000 |
| Provision for loan losses | 285,000 | 595,000 | 805,000 | 1,165,000 |
| Pretax income | 1,374,000 | 2,719,000 | 4,283,000 | 5,523,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,374,000 | 2,719,000 | 4,283,000 | 5,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,948,000 | 44,889,000 | 46,453,000 | 43,957,000 |
| Total capital | 47,307,000 | 49,316,000 | 50,941,000 | 48,621,000 |
| Risk-weighted assets | 347,500,000 | 352,766,000 | 357,731,000 | 371,743,000 |