Call reports 2020
FNBC BANK — 2020
What FNBC BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 537,530,000 | 565,686,000 | 576,744,000 | 577,809,000 |
| Total loans | 363,752,000 | 395,158,000 | 400,091,000 | 397,798,000 |
| Allowance for loan losses | 6,884,000 | 7,513,000 | 8,087,000 | 8,512,000 |
| Securities available for sale | 130,638,000 | 130,027,000 | 131,481,000 | 139,840,000 |
| Securities held to maturity | 4,858,000 | 4,731,000 | 4,602,000 | 4,472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,431,000 | 456,400,000 | 466,237,000 | 483,005,000 |
| Interest-bearing deposits | 347,157,000 | 337,803,000 | 348,600,000 | 355,548,000 |
| Noninterest-bearing deposits | 100,274,000 | 118,597,000 | 117,637,000 | 127,457,000 |
| Equity capital | 52,884,000 | 56,710,000 | 58,467,000 | 56,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,531,000 | 12,750,000 | 19,032,000 | 25,666,000 |
| Interest expense | 1,365,000 | 2,381,000 | 3,269,000 | 4,031,000 |
| Net interest income | 5,166,000 | 10,369,000 | 15,763,000 | 21,635,000 |
| Noninterest income | 862,000 | 1,555,000 | 2,415,000 | 3,524,000 |
| Noninterest expense | 4,031,000 | 7,667,000 | 11,357,000 | 15,982,000 |
| Provision for loan losses | 330,000 | 990,000 | 1,650,000 | 2,090,000 |
| Pretax income | 1,671,000 | 3,279,000 | 5,183,000 | 7,099,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,671,000 | 3,279,000 | 5,183,000 | 7,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,197,000 | 56,804,000 | 57,708,000 | 55,299,000 |
| Total capital | 60,049,000 | 62,039,000 | 63,170,000 | 60,494,000 |
| Risk-weighted assets | 386,110,000 | 416,526,000 | 434,289,000 | 412,256,000 |