Call reports 2019
FNBC BANK — 2019
What FNBC BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 468,714,000 | 484,191,000 | 528,454,000 | 529,463,000 |
| Total loans | 345,923,000 | 360,640,000 | 367,310,000 | 365,718,000 |
| Allowance for loan losses | 6,066,000 | 6,355,000 | 6,645,000 | 6,664,000 |
| Securities available for sale | 87,918,000 | 88,704,000 | 126,062,000 | 125,967,000 |
| Securities held to maturity | 5,385,000 | 5,249,000 | 5,111,000 | 4,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,517,000 | 375,447,000 | 442,463,000 | 402,168,000 |
| Interest-bearing deposits | 260,616,000 | 285,960,000 | 348,483,000 | 312,743,000 |
| Noninterest-bearing deposits | 92,901,000 | 89,487,000 | 93,980,000 | 89,425,000 |
| Equity capital | 45,375,000 | 47,114,000 | 49,044,000 | 52,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,548,000 | 11,492,000 | 17,667,000 | 23,909,000 |
| Interest expense | 1,185,000 | 2,455,000 | 3,794,000 | 5,266,000 |
| Net interest income | 4,363,000 | 9,037,000 | 13,873,000 | 18,643,000 |
| Noninterest income | 1,204,000 | 2,056,000 | 2,939,000 | 4,122,000 |
| Noninterest expense | 3,683,000 | 7,212,000 | 10,737,000 | 14,413,000 |
| Provision for loan losses | 530,000 | 935,000 | 1,400,000 | 1,730,000 |
| Pretax income | 1,354,000 | 2,920,000 | 4,640,000 | 6,587,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,354,000 | 2,920,000 | 4,640,000 | 6,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,911,000 | 47,478,000 | 49,197,000 | 52,852,000 |
| Total capital | 50,586,000 | 52,297,000 | 54,005,000 | 57,722,000 |
| Risk-weighted assets | 372,586,000 | 383,968,000 | 382,739,000 | 387,743,000 |