Call reports 2009
FNBT BANK — 2009
What FNBT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 351,806,000 | 358,726,000 | 350,835,000 | 351,032,000 |
| Total loans | 200,800,000 | 197,389,000 | 191,203,000 | 181,402,000 |
| Allowance for loan losses | 5,845,000 | 8,307,000 | 6,848,000 | 4,598,000 |
| Securities available for sale | 88,797,000 | 95,338,000 | 100,745,000 | 83,406,000 |
| Securities held to maturity | 675,000 | 656,000 | 635,000 | 608,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,003,000 | 266,697,000 | 267,966,000 | 268,534,000 |
| Interest-bearing deposits | 248,947,000 | 247,001,000 | 252,849,000 | 251,210,000 |
| Noninterest-bearing deposits | 15,056,000 | 19,696,000 | 15,117,000 | 17,324,000 |
| Equity capital | 46,828,000 | 46,714,000 | 46,270,000 | 46,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,769,000 | 7,717,000 | 11,475,000 | 15,309,000 |
| Interest expense | 930,000 | 1,848,000 | 2,728,000 | 3,584,000 |
| Net interest income | 2,839,000 | 5,869,000 | 8,747,000 | 11,725,000 |
| Noninterest income | 2,515,000 | 7,933,000 | 10,305,000 | 12,748,000 |
| Noninterest expense | 4,086,000 | 8,653,000 | 12,961,000 | 16,792,000 |
| Provision for loan losses | -7,000 | 2,594,000 | 2,593,000 | 3,685,000 |
| Pretax income | 1,275,000 | 2,555,000 | 3,498,000 | 3,996,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,275,000 | 2,555,000 | 3,498,000 | 3,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,946,000 | 45,296,000 | 45,040,000 | 45,538,000 |
| Total capital | 48,089,000 | 48,508,000 | 48,267,000 | 48,725,000 |
| Risk-weighted assets | 248,761,000 | 251,862,000 | 254,526,000 | 253,577,000 |