Call reports 2010
FNBT BANK — 2010
What FNBT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 354,526,000 | 372,610,000 | 364,960,000 | 360,161,000 |
| Total loans | 175,795,000 | 171,821,000 | 164,774,000 | 157,820,000 |
| Allowance for loan losses | 4,372,000 | 4,182,000 | 4,217,000 | 4,141,000 |
| Securities available for sale | 61,180,000 | 82,471,000 | 49,718,000 | 20,556,000 |
| Securities held to maturity | 579,000 | 485,000 | 435,000 | 419,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,998,000 | 289,804,000 | 299,757,000 | 294,235,000 |
| Interest-bearing deposits | 257,400,000 | 270,512,000 | 283,252,000 | 275,222,000 |
| Noninterest-bearing deposits | 16,598,000 | 19,292,000 | 16,505,000 | 19,013,000 |
| Equity capital | 46,641,000 | 47,157,000 | 47,703,000 | 45,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,005,000 | 6,252,000 | 9,496,000 | 12,550,000 |
| Interest expense | 773,000 | 1,540,000 | 2,322,000 | 2,945,000 |
| Net interest income | 2,232,000 | 4,712,000 | 7,174,000 | 9,605,000 |
| Noninterest income | 2,485,000 | 4,819,000 | 7,630,000 | 10,145,000 |
| Noninterest expense | 3,826,000 | 7,463,000 | 11,693,000 | 15,604,000 |
| Provision for loan losses | 64,000 | 62,000 | 50,000 | 2,060,000 |
| Pretax income | 827,000 | 2,006,000 | 3,061,000 | 2,086,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 827,000 | 2,006,000 | 3,061,000 | 2,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,979,000 | 46,699,000 | 47,498,000 | 45,423,000 |
| Total capital | 49,015,000 | 49,841,000 | 50,681,000 | 48,551,000 |
| Risk-weighted assets | 241,301,000 | 250,353,000 | 253,659,000 | 249,194,000 |