Call reports 2025
F & C BANK — 2025
What F & C BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 423,442,000 | 430,090,000 | 438,302,000 | 467,321,000 |
| Total loans | 367,836,000 | 374,519,000 | 385,862,000 | 407,201,000 |
| Allowance for loan losses | 4,818,000 | 4,928,000 | 4,977,000 | 5,041,000 |
| Securities available for sale | 26,226,000 | 25,826,000 | 23,454,000 | 22,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,615,000 | 380,260,000 | 385,587,000 | 408,096,000 |
| Interest-bearing deposits | 318,006,000 | 318,833,000 | 319,424,000 | 331,835,000 |
| Noninterest-bearing deposits | 53,609,000 | 61,427,000 | 66,163,000 | 76,261,000 |
| Equity capital | 44,031,000 | 44,517,000 | 47,144,000 | 48,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,034,000 | 14,410,000 | 21,955,000 | 29,900,000 |
| Interest expense | 2,084,000 | 4,115,000 | 6,123,000 | 8,194,000 |
| Net interest income | 4,950,000 | 10,295,000 | 15,832,000 | 21,706,000 |
| Noninterest income | 505,000 | 1,062,000 | 1,621,000 | 2,233,000 |
| Noninterest expense | 2,796,000 | 5,577,000 | 8,374,000 | 11,240,000 |
| Provision for loan losses | 118,000 | 234,000 | 294,000 | 353,000 |
| Pretax income | 2,541,000 | 5,539,000 | 8,778,000 | 12,339,000 |
| Income tax | 341,000 | 1,058,000 | 1,811,000 | 2,591,000 |
| Net income | 2,200,000 | 4,481,000 | 6,967,000 | 9,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,146,000 | 44,601,000 | 47,088,000 | 48,369,000 |