Call reports 2012
FNBT BANK — 2012
What FNBT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 370,954,000 | 372,646,000 | 375,248,000 | 358,467,000 |
| Total loans | 149,499,000 | 148,779,000 | 141,511,000 | 138,507,000 |
| Allowance for loan losses | 4,465,000 | 4,086,000 | 4,098,000 | 5,051,000 |
| Securities available for sale | 8,568,000 | 8,488,000 | 8,406,000 | 8,318,000 |
| Securities held to maturity | 241,000 | 231,000 | 223,000 | 216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,716,000 | 307,631,000 | 314,104,000 | 300,664,000 |
| Interest-bearing deposits | 283,546,000 | 285,718,000 | 296,157,000 | 282,376,000 |
| Noninterest-bearing deposits | 22,170,000 | 21,913,000 | 17,947,000 | 18,288,000 |
| Equity capital | 44,553,000 | 45,258,000 | 45,821,000 | 44,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,931,000 | 5,895,000 | 9,049,000 | 12,080,000 |
| Interest expense | 312,000 | 566,000 | 809,000 | 1,050,000 |
| Net interest income | 2,619,000 | 5,329,000 | 8,240,000 | 11,030,000 |
| Noninterest income | 2,086,000 | 4,317,000 | 6,516,000 | 8,846,000 |
| Noninterest expense | 3,702,000 | 7,574,000 | 11,322,000 | 14,399,000 |
| Provision for loan losses | 3,000 | -12,000 | 63,000 | 1,124,000 |
| Pretax income | 1,000,000 | 2,084,000 | 3,371,000 | 4,353,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,000,000 | 2,084,000 | 3,371,000 | 4,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,518,000 | 45,223,000 | 45,789,000 | 44,771,000 |
| Total capital | 47,266,000 | 47,944,000 | 48,506,000 | 47,443,000 |
| Risk-weighted assets | 217,327,000 | 215,531,000 | 215,219,000 | 210,643,000 |