Call reports 2006
FNBT BANK — 2006
What FNBT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 427,492,000 | 409,553,000 | 404,690,000 | 381,161,000 |
| Total loans | 231,269,000 | 216,226,000 | 208,332,000 | 204,825,000 |
| Allowance for loan losses | 3,393,000 | 3,367,000 | 3,308,000 | 4,243,000 |
| Securities available for sale | 29,792,000 | 31,792,000 | 97,343,000 | 106,267,000 |
| Securities held to maturity | 1,030,000 | 1,006,000 | 889,000 | 863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,357,000 | 323,936,000 | 315,550,000 | 290,916,000 |
| Interest-bearing deposits | 305,808,000 | 289,336,000 | 289,250,000 | 264,681,000 |
| Noninterest-bearing deposits | 37,549,000 | 34,600,000 | 26,300,000 | 26,235,000 |
| Equity capital | 37,276,000 | 39,497,000 | 41,474,000 | 41,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,183,000 | 12,850,000 | 19,625,000 | 26,178,000 |
| Interest expense | 1,319,000 | 2,948,000 | 4,842,000 | 6,755,000 |
| Net interest income | 4,864,000 | 9,902,000 | 14,783,000 | 19,423,000 |
| Noninterest income | 2,620,000 | 5,256,000 | 8,013,000 | 10,720,000 |
| Noninterest expense | 4,230,000 | 8,333,000 | 12,601,000 | 17,784,000 |
| Provision for loan losses | -7,000 | -5,000 | -26,000 | 952,000 |
| Pretax income | 3,261,000 | 6,830,000 | 10,221,000 | 11,407,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,261,000 | 6,830,000 | 10,221,000 | 11,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,393,000 | 39,611,000 | 41,203,000 | 41,388,000 |
| Total capital | 40,786,000 | 42,978,000 | 44,511,000 | 44,609,000 |
| Risk-weighted assets | 286,696,000 | 271,493,000 | 268,026,000 | 256,673,000 |