Call reports 2004
FNBT BANK — 2004
What FNBT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 374,681,000 | 395,938,000 | 384,382,000 | 403,254,000 |
| Total loans | 220,110,000 | 226,544,000 | 224,607,000 | 231,715,000 |
| Allowance for loan losses | 2,794,000 | 2,803,000 | 2,786,000 | 3,197,000 |
| Securities available for sale | 22,353,000 | 42,288,000 | 42,257,000 | 37,078,000 |
| Securities held to maturity | 1,832,000 | 1,693,000 | 1,624,000 | 1,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,322,000 | 314,598,000 | 308,747,000 | 329,414,000 |
| Interest-bearing deposits | 271,365,000 | 285,333,000 | 286,650,000 | 281,516,000 |
| Noninterest-bearing deposits | 28,957,000 | 29,265,000 | 22,097,000 | 47,898,000 |
| Equity capital | 31,028,000 | 31,864,000 | 32,597,000 | 32,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,770,000 | 7,741,000 | 11,878,000 | 16,359,000 |
| Interest expense | 848,000 | 1,697,000 | 2,533,000 | 3,383,000 |
| Net interest income | 2,922,000 | 6,044,000 | 9,345,000 | 12,976,000 |
| Noninterest income | 1,901,000 | 4,258,000 | 6,253,000 | 8,452,000 |
| Noninterest expense | 3,494,000 | 7,267,000 | 11,000,000 | 15,280,000 |
| Provision for loan losses | 2,000 | 24,000 | 36,000 | 446,000 |
| Pretax income | 1,327,000 | 3,011,000 | 4,562,000 | 5,702,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,327,000 | 3,011,000 | 4,562,000 | 5,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,863,000 | 31,822,000 | 32,534,000 | 32,173,000 |
| Total capital | 33,657,000 | 34,625,000 | 35,320,000 | 35,370,000 |
| Risk-weighted assets | 261,177,000 | 271,311,000 | 271,995,000 | 284,945,000 |