Call reports 2016
FNBT BANK — 2016
What FNBT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 382,890,000 | 393,497,000 | 403,023,000 | 400,104,000 |
| Total loans | 120,367,000 | 118,832,000 | 117,791,000 | 113,343,000 |
| Allowance for loan losses | 4,176,000 | 4,177,000 | 4,173,000 | 4,174,000 |
| Securities available for sale | 6,434,000 | 6,456,000 | 6,488,000 | 6,336,000 |
| Securities held to maturity | 91,000 | 84,000 | 75,000 | 67,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,283,000 | 319,882,000 | 333,654,000 | 330,342,000 |
| Interest-bearing deposits | 298,329,000 | 303,168,000 | 315,096,000 | 310,084,000 |
| Noninterest-bearing deposits | 17,954,000 | 16,714,000 | 18,558,000 | 20,258,000 |
| Equity capital | 45,269,000 | 46,303,000 | 47,181,000 | 45,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,400,000 | 5,137,000 | 8,203,000 | 10,854,000 |
| Interest expense | 203,000 | 409,000 | 624,000 | 850,000 |
| Net interest income | 2,197,000 | 4,728,000 | 7,579,000 | 10,004,000 |
| Noninterest income | 1,561,000 | 3,416,000 | 5,407,000 | 6,913,000 |
| Noninterest expense | 3,250,000 | 6,629,000 | 10,074,000 | 13,393,000 |
| Provision for loan losses | -4,000 | -9,000 | -11,000 | -8,000 |
| Pretax income | 512,000 | 1,524,000 | 2,939,000 | 3,548,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 512,000 | 1,524,000 | 2,939,000 | 3,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,273,000 | 46,286,000 | 47,199,000 | 45,308,000 |
| Total capital | 47,515,000 | 48,486,000 | 49,503,000 | 47,564,000 |
| Risk-weighted assets | 177,529,000 | 174,055,000 | 182,476,000 | 178,590,000 |