Call reports 2025
FNBC BANK AND TRUST — 2025
What FNBC BANK AND TRUST 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 | 570,336,000 | 572,239,000 | 573,820,000 | 597,635,000 |
| Total loans | 296,438,000 | 296,911,000 | 303,142,000 | 314,409,000 |
| Allowance for loan losses | 3,602,000 | 3,608,000 | 3,612,000 | 3,613,000 |
| Securities available for sale | 216,964,000 | 208,580,000 | 207,524,000 | 215,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,068,000 | 517,140,000 | 518,096,000 | 539,721,000 |
| Interest-bearing deposits | 348,277,000 | 342,280,000 | 350,118,000 | 369,493,000 |
| Noninterest-bearing deposits | 169,791,000 | 174,860,000 | 167,978,000 | 170,228,000 |
| Equity capital | 49,883,000 | 52,315,000 | 52,704,000 | 54,963,000 |
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 | 5,336,000 | 10,664,000 | 16,260,000 | 22,291,000 |
| Interest expense | 1,528,000 | 3,060,000 | 4,673,000 | 6,266,000 |
| Net interest income | 3,808,000 | 7,604,000 | 11,587,000 | 16,025,000 |
| Noninterest income | 1,337,000 | 2,654,000 | 4,010,000 | 5,600,000 |
| Noninterest expense | 4,004,000 | 7,984,000 | 11,844,000 | 15,809,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,141,000 | 2,274,000 | 3,753,000 | 5,816,000 |
| Income tax | 268,000 | 552,000 | 882,000 | 1,061,000 |
| Net income | 873,000 | 1,722,000 | 2,871,000 | 4,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,112,000 | 56,462,000 | 57,109,000 | 58,494,000 |
| Total capital | 59,864,000 | 60,220,000 | 60,871,000 | 62,257,000 |
| Risk-weighted assets | 303,539,000 | 303,246,000 | 306,885,000 | 315,059,000 |