Call reports 2005
FNBT BANK — 2005
What FNBT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 431,322,000 | 443,672,000 | 449,015,000 | 428,904,000 |
| Total loans | 239,909,000 | 237,134,000 | 234,670,000 | 233,863,000 |
| Allowance for loan losses | 3,139,000 | 3,152,000 | 3,147,000 | 3,400,000 |
| Securities available for sale | 36,927,000 | 40,886,000 | 40,884,000 | 30,874,000 |
| Securities held to maturity | 1,440,000 | 1,308,000 | 1,176,000 | 1,071,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,703,000 | 356,963,000 | 365,498,000 | 348,704,000 |
| Interest-bearing deposits | 305,377,000 | 316,848,000 | 310,095,000 | 317,751,000 |
| Noninterest-bearing deposits | 41,326,000 | 40,115,000 | 55,403,000 | 30,953,000 |
| Equity capital | 33,940,000 | 35,824,000 | 37,689,000 | 35,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,746,000 | 10,194,000 | 16,068,000 | 22,284,000 |
| Interest expense | 934,000 | 1,978,000 | 3,121,000 | 4,445,000 |
| Net interest income | 3,812,000 | 8,216,000 | 12,947,000 | 17,839,000 |
| Noninterest income | 2,089,000 | 5,423,000 | 7,934,000 | 10,485,000 |
| Noninterest expense | 3,839,000 | 7,713,000 | 11,722,000 | 17,015,000 |
| Provision for loan losses | -4,000 | -1,000 | 32,000 | 301,000 |
| Pretax income | 2,983,000 | 5,927,000 | 9,127,000 | 11,008,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,983,000 | 5,927,000 | 9,127,000 | 11,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,056,000 | 35,900,000 | 37,800,000 | 35,982,000 |
| Total capital | 37,195,000 | 39,052,000 | 40,947,000 | 39,382,000 |
| Risk-weighted assets | 296,177,000 | 299,024,000 | 301,751,000 | 296,097,000 |