Call reports 2023
FNBC BANK AND TRUST — 2023
What FNBC BANK AND TRUST 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 | 564,165,000 | 558,430,000 | 565,072,000 | 582,404,000 |
| Total loans | 277,165,000 | 281,719,000 | 286,507,000 | 291,056,000 |
| Allowance for loan losses | 3,678,000 | 3,685,000 | 3,688,000 | 3,544,000 |
| Securities available for sale | 234,564,000 | 226,840,000 | 229,996,000 | 234,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 521,372,000 | 517,513,000 | 525,640,000 | 536,890,000 |
| Interest-bearing deposits | 330,062,000 | 335,506,000 | 349,043,000 | 356,663,000 |
| Noninterest-bearing deposits | 191,310,000 | 182,007,000 | 176,597,000 | 180,227,000 |
| Equity capital | 40,706,000 | 38,507,000 | 36,898,000 | 42,615,000 |
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 | 4,359,000 | 8,709,000 | 13,345,000 | 18,308,000 |
| Interest expense | 643,000 | 1,501,000 | 2,787,000 | 4,267,000 |
| Net interest income | 3,716,000 | 7,208,000 | 10,558,000 | 14,041,000 |
| Noninterest income | 1,301,000 | 2,484,000 | 3,561,000 | 4,795,000 |
| Noninterest expense | 3,971,000 | 7,934,000 | 11,760,000 | 15,453,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 1,101,000 | 1,845,000 | 2,446,000 | 3,470,000 |
| Income tax | 270,000 | 450,000 | 544,000 | 730,000 |
| Net income | 831,000 | 1,395,000 | 1,902,000 | 2,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,334,000 | 54,446,000 | 54,303,000 | 54,717,000 |
| Total capital | 57,922,000 | 58,072,000 | 57,991,000 | 58,411,000 |
| Risk-weighted assets | 286,947,000 | 290,041,000 | 297,182,000 | 300,433,000 |