Call reports 2022
FNBC BANK AND TRUST — 2022
What FNBC BANK AND TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 663,132,000 | 554,982,000 | 557,765,000 | 559,734,000 |
| Total loans | 287,744,000 | 263,289,000 | 269,526,000 | 276,195,000 |
| Allowance for loan losses | 3,705,000 | 3,713,000 | 3,736,000 | 3,672,000 |
| Securities available for sale | 256,930,000 | 242,010,000 | 238,602,000 | 230,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,249,000 | 512,195,000 | 513,725,000 | 520,485,000 |
| Interest-bearing deposits | 367,843,000 | 306,178,000 | 302,960,000 | 322,896,000 |
| Noninterest-bearing deposits | 246,406,000 | 206,017,000 | 210,765,000 | 197,589,000 |
| Equity capital | 46,595,000 | 40,403,000 | 41,677,000 | 36,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,204,000 | 8,416,000 | 12,280,000 | 16,398,000 |
| Interest expense | 97,000 | 194,000 | 287,000 | 598,000 |
| Net interest income | 4,107,000 | 8,222,000 | 11,993,000 | 15,800,000 |
| Noninterest income | 1,266,000 | 2,827,000 | 3,962,000 | 5,304,000 |
| Noninterest expense | 4,047,000 | 8,262,000 | 12,102,000 | 15,818,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,225,000 | 2,499,000 | 3,385,000 | 4,798,000 |
| Income tax | -934,000 | -615,000 | -353,000 | -2,000 |
| Net income | 2,159,000 | 3,114,000 | 3,738,000 | 4,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,259,000 | 58,715,000 | 58,340,000 | 53,902,000 |
| Total capital | 61,926,000 | 62,151,000 | 61,897,000 | 57,505,000 |
| Risk-weighted assets | 293,289,000 | 274,602,000 | 284,345,000 | 288,138,000 |