Call reports 2023
FIRST NATIONAL BANK NORTHWEST FLORIDA — 2023
What FIRST NATIONAL BANK NORTHWEST FLORIDA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 178,980,000 | 169,191,000 | 169,031,000 | 172,376,000 |
| Total loans | 60,988,000 | 60,399,000 | 61,994,000 | 63,630,000 |
| Allowance for loan losses | 1,224,000 | 1,224,000 | 1,224,000 | 1,224,000 |
| Securities available for sale | 2,801,000 | 2,640,000 | 2,432,000 | 2,420,000 |
| Securities held to maturity | 9,925,000 | 9,888,000 | 9,827,000 | 9,536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,071,000 | 145,019,000 | 143,749,000 | 146,243,000 |
| Interest-bearing deposits | 111,265,000 | 102,362,000 | 105,854,000 | 112,057,000 |
| Noninterest-bearing deposits | 43,806,000 | 42,657,000 | 37,895,000 | 34,186,000 |
| Equity capital | 23,042,000 | 23,194,000 | 24,064,000 | 25,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,088,000 | 4,259,000 | 6,526,000 | 8,920,000 |
| Interest expense | 261,000 | 609,000 | 1,037,000 | 1,647,000 |
| Net interest income | 1,827,000 | 3,650,000 | 5,489,000 | 7,273,000 |
| Noninterest income | 34,000 | 79,000 | 122,000 | 164,000 |
| Noninterest expense | 901,000 | 1,823,000 | 2,794,000 | 3,724,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 960,000 | 1,903,000 | 2,819,000 | 3,721,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 960,000 | 1,903,000 | 2,819,000 | 3,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,229,000 | 23,430,000 | 24,346,000 | 25,248,000 |
| Total capital | 23,929,000 | 24,122,000 | 25,054,000 | 25,965,000 |
| Risk-weighted assets | 55,524,000 | 54,824,000 | 56,114,000 | 56,904,000 |