Call reports 2011
FNBT BANK — 2011
What FNBT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 371,188,000 | 364,648,000 | 370,701,000 | 355,354,000 |
| Total loans | 155,511,000 | 153,308,000 | 154,827,000 | 150,154,000 |
| Allowance for loan losses | 4,123,000 | 4,093,000 | 4,009,000 | 4,346,000 |
| Securities available for sale | 10,484,000 | 8,086,000 | 8,734,000 | 8,646,000 |
| Securities held to maturity | 406,000 | 388,000 | 308,000 | 276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,329,000 | 297,744,000 | 309,452,000 | 293,443,000 |
| Interest-bearing deposits | 286,965,000 | 278,651,000 | 291,723,000 | 275,050,000 |
| Noninterest-bearing deposits | 17,364,000 | 19,093,000 | 17,729,000 | 18,393,000 |
| Equity capital | 45,831,000 | 46,065,000 | 45,331,000 | 43,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,891,000 | 5,897,000 | 8,896,000 | 11,867,000 |
| Interest expense | 540,000 | 1,046,000 | 1,524,000 | 1,978,000 |
| Net interest income | 2,351,000 | 4,851,000 | 7,372,000 | 9,889,000 |
| Noninterest income | 2,214,000 | 4,170,000 | 6,170,000 | 8,278,000 |
| Noninterest expense | 3,583,000 | 7,132,000 | 10,811,000 | 14,536,000 |
| Provision for loan losses | 6,000 | -3,000 | 43,000 | 985,000 |
| Pretax income | 976,000 | 1,892,000 | 2,688,000 | 2,646,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 976,000 | 1,892,000 | 2,688,000 | 2,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,859,000 | 45,991,000 | 45,287,000 | 43,845,000 |
| Total capital | 48,992,000 | 48,823,000 | 48,166,000 | 46,575,000 |
| Risk-weighted assets | 249,668,000 | 226,109,000 | 228,405,000 | 216,060,000 |