Call reports 2015
FNBT BANK — 2015
What FNBT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 372,405,000 | 389,936,000 | 375,042,000 | 369,512,000 |
| Total loans | 127,518,000 | 130,180,000 | 119,267,000 | 116,110,000 |
| Allowance for loan losses | 4,594,000 | 4,619,000 | 4,668,000 | 4,182,000 |
| Securities available for sale | 6,941,000 | 6,921,000 | 6,932,000 | 6,391,000 |
| Securities held to maturity | 124,000 | 115,000 | 107,000 | 99,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,358,000 | 320,240,000 | 308,991,000 | 307,092,000 |
| Interest-bearing deposits | 286,412,000 | 301,618,000 | 292,121,000 | 292,958,000 |
| Noninterest-bearing deposits | 20,945,000 | 18,622,000 | 16,870,000 | 14,134,000 |
| Equity capital | 44,349,000 | 44,728,000 | 45,670,000 | 45,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,334,000 | 5,205,000 | 7,945,000 | 10,272,000 |
| Interest expense | 193,000 | 393,000 | 591,000 | 793,000 |
| Net interest income | 2,141,000 | 4,812,000 | 7,354,000 | 9,479,000 |
| Noninterest income | 1,918,000 | 3,879,000 | 6,202,000 | 7,751,000 |
| Noninterest expense | 3,579,000 | 7,414,000 | 11,270,000 | 14,478,000 |
| Provision for loan losses | -4,000 | 11,000 | 83,000 | 75,000 |
| Pretax income | 484,000 | 1,266,000 | 2,203,000 | 2,712,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 484,000 | 1,266,000 | 2,203,000 | 2,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,294,000 | 44,697,000 | 45,632,000 | 45,341,000 |
| Total capital | 46,203,000 | 47,164,000 | 48,083,000 | 47,694,000 |
| Risk-weighted assets | 150,075,000 | 195,194,000 | 193,837,000 | 186,423,000 |