Call reports 2024
F & C BANK — 2024
What F & C BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 373,911,000 | 389,444,000 | 401,503,000 | 417,584,000 |
| Total loans | 319,291,000 | 337,455,000 | 344,788,000 | 358,980,000 |
| Allowance for loan losses | 4,343,000 | 4,435,000 | 4,465,000 | 4,701,000 |
| Securities available for sale | 29,148,000 | 27,732,000 | 27,760,000 | 27,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,352,000 | 322,079,000 | 331,893,000 | 365,219,000 |
| Interest-bearing deposits | 268,358,000 | 274,019,000 | 277,321,000 | 301,266,000 |
| Noninterest-bearing deposits | 47,994,000 | 48,060,000 | 54,572,000 | 63,953,000 |
| Equity capital | 39,106,000 | 38,360,000 | 40,035,000 | 41,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,828,000 | 12,047,000 | 18,684,000 | 25,606,000 |
| Interest expense | 1,586,000 | 3,340,000 | 5,356,000 | 7,429,000 |
| Net interest income | 4,242,000 | 8,707,000 | 13,328,000 | 18,177,000 |
| Noninterest income | 494,000 | 1,064,000 | 1,676,000 | 2,238,000 |
| Noninterest expense | 2,555,000 | 5,083,000 | 7,694,000 | 10,274,000 |
| Provision for loan losses | 90,000 | 181,000 | 211,000 | 450,000 |
| Pretax income | 2,091,000 | 4,507,000 | 7,099,000 | 9,197,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,091,000 | 4,507,000 | 7,099,000 | 9,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,060,000 | 39,396,000 | 40,448,000 | 41,945,000 |