Call reports 2013
FNBT BANK — 2013
What FNBT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 372,850,000 | 376,533,000 | 370,736,000 | 357,429,000 |
| Total loans | 138,378,000 | 138,405,000 | 133,935,000 | 135,986,000 |
| Allowance for loan losses | 5,043,000 | 4,767,000 | 4,729,000 | 4,797,000 |
| Securities available for sale | 7,231,000 | 7,149,000 | 7,066,000 | 6,745,000 |
| Securities held to maturity | 207,000 | 199,000 | 177,000 | 168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,399,000 | 308,702,000 | 305,428,000 | 295,990,000 |
| Interest-bearing deposits | 292,760,000 | 283,568,000 | 288,777,000 | 277,763,000 |
| Noninterest-bearing deposits | 17,639,000 | 25,134,000 | 16,651,000 | 18,227,000 |
| Equity capital | 44,737,000 | 45,267,000 | 45,482,000 | 44,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,619,000 | 5,762,000 | 8,699,000 | 11,210,000 |
| Interest expense | 215,000 | 435,000 | 649,000 | 874,000 |
| Net interest income | 2,404,000 | 5,327,000 | 8,050,000 | 10,336,000 |
| Noninterest income | 2,156,000 | 4,415,000 | 6,633,000 | 8,759,000 |
| Noninterest expense | 3,690,000 | 7,523,000 | 11,343,000 | 14,755,000 |
| Provision for loan losses | -7,000 | 63,000 | 105,000 | 350,000 |
| Pretax income | 877,000 | 2,156,000 | 3,235,000 | 3,990,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 877,000 | 2,156,000 | 3,235,000 | 3,990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,723,000 | 45,256,000 | 45,474,000 | 44,729,000 |
| Total capital | 47,425,000 | 47,919,000 | 48,136,000 | 47,294,000 |
| Risk-weighted assets | 213,053,000 | 211,008,000 | 210,878,000 | 202,992,000 |