Call reports 2024
FNBC BANK AND TRUST — 2024
What FNBC BANK AND TRUST 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 | 580,676,000 | 555,541,000 | 567,875,000 | 576,206,000 |
| Total loans | 298,897,000 | 305,296,000 | 302,457,000 | 293,128,000 |
| Allowance for loan losses | 3,524,000 | 3,529,000 | 3,539,000 | 3,573,000 |
| Securities available for sale | 227,727,000 | 220,610,000 | 217,857,000 | 220,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 536,795,000 | 509,158,000 | 516,740,000 | 527,367,000 |
| Interest-bearing deposits | 370,238,000 | 340,468,000 | 348,032,000 | 354,719,000 |
| Noninterest-bearing deposits | 166,557,000 | 168,690,000 | 168,708,000 | 172,648,000 |
| Equity capital | 41,484,000 | 43,696,000 | 48,319,000 | 46,028,000 |
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 | 4,904,000 | 10,001,000 | 15,248,000 | 20,595,000 |
| Interest expense | 1,555,000 | 3,233,000 | 4,903,000 | 6,553,000 |
| Net interest income | 3,349,000 | 6,768,000 | 10,345,000 | 14,042,000 |
| Noninterest income | 1,158,000 | 2,371,000 | 3,762,000 | 5,322,000 |
| Noninterest expense | 4,046,000 | 7,968,000 | 12,129,000 | 16,890,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 461,000 | 1,895,000 | 2,786,000 | 3,282,000 |
| Income tax | 92,000 | 428,000 | 660,000 | 760,000 |
| Net income | 369,000 | 1,467,000 | 2,126,000 | 2,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,685,000 | 55,385,000 | 55,643,000 | 55,639,000 |
| Total capital | 58,359,000 | 59,064,000 | 59,332,000 | 59,362,000 |
| Risk-weighted assets | 308,748,000 | 315,023,000 | 307,884,000 | 299,573,000 |
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