Call reports 2014
FNBT BANK — 2014
What FNBT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 366,009,000 | 375,680,000 | 368,323,000 | 362,963,000 |
| Total loans | 135,096,000 | 131,698,000 | 128,361,000 | 124,594,000 |
| Allowance for loan losses | 4,651,000 | 4,636,000 | 4,613,000 | 4,600,000 |
| Securities available for sale | 6,816,000 | 6,859,000 | 6,866,000 | 6,876,000 |
| Securities held to maturity | 158,000 | 150,000 | 142,000 | 134,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,966,000 | 306,225,000 | 305,482,000 | 303,489,000 |
| Interest-bearing deposits | 286,473,000 | 288,486,000 | 287,649,000 | 285,281,000 |
| Noninterest-bearing deposits | 14,493,000 | 17,739,000 | 17,833,000 | 18,208,000 |
| Equity capital | 44,948,000 | 44,852,000 | 44,155,000 | 44,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,422,000 | 4,904,000 | 7,719,000 | 10,267,000 |
| Interest expense | 211,000 | 421,000 | 623,000 | 821,000 |
| Net interest income | 2,211,000 | 4,483,000 | 7,096,000 | 9,446,000 |
| Noninterest income | 2,311,000 | 4,469,000 | 6,417,000 | 8,330,000 |
| Noninterest expense | 3,733,000 | 7,300,000 | 10,811,000 | 14,169,000 |
| Provision for loan losses | 17,000 | 15,000 | 14,000 | 50,000 |
| Pretax income | 772,000 | 1,637,000 | 2,688,000 | 3,557,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 772,000 | 1,637,000 | 2,688,000 | 3,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,001,000 | 44,866,000 | 44,167,000 | 44,286,000 |
| Total capital | 47,456,000 | 47,286,000 | 46,598,000 | 46,696,000 |
| Risk-weighted assets | 194,210,000 | 191,363,000 | 192,300,000 | 190,731,000 |