Call reports 2023
F & C BANK — 2023
What F & C BANK 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 | 333,391,000 | 338,139,000 | 347,222,000 | 367,752,000 |
| Total loans | 269,641,000 | 283,371,000 | 294,278,000 | 313,344,000 |
| Allowance for loan losses | 4,005,000 | 4,023,000 | 4,049,000 | 4,255,000 |
| Securities available for sale | 32,927,000 | 32,272,000 | 31,764,000 | 32,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,413,000 | 301,910,000 | 304,398,000 | 311,719,000 |
| Interest-bearing deposits | 244,947,000 | 248,730,000 | 249,460,000 | 256,080,000 |
| Noninterest-bearing deposits | 52,466,000 | 53,180,000 | 54,938,000 | 55,639,000 |
| Equity capital | 34,754,000 | 34,553,000 | 35,372,000 | 37,147,000 |
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 | 4,293,000 | 9,038,000 | 14,208,000 | 19,810,000 |
| Interest expense | 544,000 | 1,446,000 | 2,509,000 | 3,857,000 |
| Net interest income | 3,749,000 | 7,592,000 | 11,699,000 | 15,953,000 |
| Noninterest income | 481,000 | 976,000 | 1,605,000 | 2,123,000 |
| Noninterest expense | 2,316,000 | 4,644,000 | 7,081,000 | 9,590,000 |
| Provision for loan losses | 0 | 20,000 | 76,000 | 313,000 |
| Pretax income | 1,914,000 | 3,904,000 | 6,131,000 | 8,173,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,914,000 | 3,904,000 | 6,131,000 | 8,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,725,000 | 35,795,000 | 37,181,000 | 37,968,000 |