Call reports 2022
FNBC BANK — 2022
What FNBC BANK 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 | 692,865,000 | 702,094,000 | 706,182,000 | 742,510,000 |
| Total loans | 432,852,000 | 441,983,000 | 444,713,000 | 465,093,000 |
| Allowance for loan losses | 9,134,000 | 9,136,000 | 9,138,000 | 9,157,000 |
| Securities available for sale | 208,777,000 | 209,780,000 | 207,156,000 | 218,488,000 |
| Securities held to maturity | 4,218,000 | 4,092,000 | 3,959,000 | 3,824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 570,467,000 | 577,688,000 | 579,973,000 | 560,161,000 |
| Interest-bearing deposits | 377,722,000 | 381,309,000 | 378,502,000 | 362,696,000 |
| Noninterest-bearing deposits | 192,745,000 | 196,379,000 | 201,471,000 | 197,465,000 |
| Equity capital | 52,072,000 | 44,056,000 | 36,762,000 | 40,462,000 |
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 | 6,399,000 | 13,225,000 | 20,495,000 | 28,416,000 |
| Interest expense | 502,000 | 1,065,000 | 1,892,000 | 3,520,000 |
| Net interest income | 5,897,000 | 12,160,000 | 18,603,000 | 24,896,000 |
| Noninterest income | 952,000 | 2,295,000 | 3,570,000 | 4,857,000 |
| Noninterest expense | 4,898,000 | 10,373,000 | 15,787,000 | 21,382,000 |
| Provision for loan losses | 155,000 | 245,000 | 395,000 | 545,000 |
| Pretax income | 1,796,000 | 3,822,000 | 5,963,000 | 7,798,000 |
| Income tax | 90,000 | 190,000 | 310,000 | 445,000 |
| Net income | 1,706,000 | 3,632,000 | 5,653,000 | 7,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,194,000 | 62,279,000 | 64,461,000 | 61,261,000 |
| Total capital | 66,693,000 | 68,995,000 | 71,313,000 | 68,707,000 |
| Risk-weighted assets | 517,220,000 | 534,811,000 | 545,840,000 | 593,919,000 |