Call reports 2002
FNBT BANK — 2002
What FNBT BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 325,960,000 | 337,066,000 | 331,518,000 | 327,344,000 |
| Total loans | 192,336,000 | 193,103,000 | 195,320,000 | 193,990,000 |
| Allowance for loan losses | 2,316,000 | 2,556,000 | 2,528,000 | 2,473,000 |
| Securities available for sale | 82,844,000 | 42,895,000 | 35,917,000 | 28,796,000 |
| Securities held to maturity | 1,541,000 | 1,395,000 | 1,266,000 | 1,191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,028,000 | 274,775,000 | 266,655,000 | 263,227,000 |
| Interest-bearing deposits | 235,373,000 | 246,358,000 | 248,420,000 | 240,525,000 |
| Noninterest-bearing deposits | 20,655,000 | 28,417,000 | 18,235,000 | 22,702,000 |
| Equity capital | 25,984,000 | 27,424,000 | 26,630,000 | 27,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,576,000 | 9,332,000 | 13,918,000 | 18,333,000 |
| Interest expense | 1,637,000 | 3,184,000 | 4,616,000 | 5,840,000 |
| Net interest income | 2,939,000 | 6,148,000 | 9,302,000 | 12,493,000 |
| Noninterest income | 1,596,000 | 3,330,000 | 5,162,000 | 6,884,000 |
| Noninterest expense | 3,479,000 | 7,309,000 | 11,176,000 | 15,013,000 |
| Provision for loan losses | -3,000 | 268,000 | 272,000 | 277,000 |
| Pretax income | 1,131,000 | 2,063,000 | 3,178,000 | 4,249,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,131,000 | 2,063,000 | 3,178,000 | 4,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,922,000 | 26,796,000 | 25,965,000 | 27,036,000 |
| Total capital | 29,238,000 | 29,352,000 | 28,493,000 | 29,509,000 |
| Risk-weighted assets | 225,446,000 | 228,265,000 | 231,639,000 | 234,176,000 |