Call reports 2023
FNBC BANK — 2023
What FNBC BANK 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 | 742,619,000 | 740,197,000 | 763,961,000 | 804,401,000 |
| Total loans | 470,863,000 | 474,099,000 | 497,069,000 | 525,228,000 |
| Allowance for loan losses | 9,507,000 | 9,718,000 | 10,059,000 | 10,333,000 |
| Securities available for sale | 219,141,000 | 216,194,000 | 212,659,000 | 224,561,000 |
| Securities held to maturity | 3,684,000 | 3,520,000 | 3,419,000 | 3,306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 566,223,000 | 570,665,000 | 552,286,000 | 602,228,000 |
| Interest-bearing deposits | 373,101,000 | 381,223,000 | 373,147,000 | 427,840,000 |
| Noninterest-bearing deposits | 193,122,000 | 189,442,000 | 179,139,000 | 174,388,000 |
| Equity capital | 43,943,000 | 44,300,000 | 39,767,000 | 51,288,000 |
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 | 8,204,000 | 16,843,000 | 26,365,000 | 37,238,000 |
| Interest expense | 2,335,000 | 5,187,000 | 8,806,000 | 13,229,000 |
| Net interest income | 5,869,000 | 11,656,000 | 17,559,000 | 24,009,000 |
| Noninterest income | 1,996,000 | 3,166,000 | 4,300,000 | 5,942,000 |
| Noninterest expense | 5,935,000 | 11,680,000 | 17,417,000 | 23,604,000 |
| Provision for loan losses | 443,000 | 743,000 | 1,043,000 | 1,443,000 |
| Pretax income | 1,488,000 | 2,400,000 | 3,284,000 | 4,693,000 |
| Income tax | 15,000 | 30,000 | 75,000 | 160,000 |
| Net income | 1,473,000 | 2,370,000 | 3,209,000 | 4,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,108,000 | 65,326,000 | 70,043,000 | 69,027,000 |
| Total capital | 70,309,000 | 72,485,000 | 77,583,000 | 76,837,000 |
| Risk-weighted assets | 573,761,000 | 570,098,000 | 600,640,000 | 622,223,000 |