Call reports 2024
FNBC BANK — 2024
What FNBC BANK 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 | 797,955,000 | 798,674,000 | 791,811,000 | 805,145,000 |
| Total loans | 529,595,000 | 540,023,000 | 537,269,000 | 548,350,000 |
| Allowance for loan losses | 10,430,000 | 10,513,000 | 10,572,000 | 10,608,000 |
| Securities available for sale | 216,744,000 | 210,518,000 | 207,782,000 | 206,188,000 |
| Securities held to maturity | 3,188,000 | 3,080,000 | 2,976,000 | 2,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 612,866,000 | 631,562,000 | 682,559,000 | 699,959,000 |
| Interest-bearing deposits | 442,448,000 | 457,703,000 | 508,348,000 | 530,257,000 |
| Noninterest-bearing deposits | 170,418,000 | 173,859,000 | 174,211,000 | 169,702,000 |
| Equity capital | 51,207,000 | 51,904,000 | 58,329,000 | 52,576,000 |
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 | 10,945,000 | 22,298,000 | 33,838,000 | 45,751,000 |
| Interest expense | 4,766,000 | 9,578,000 | 14,302,000 | 19,026,000 |
| Net interest income | 6,179,000 | 12,720,000 | 19,536,000 | 26,725,000 |
| Noninterest income | 1,054,000 | 2,211,000 | 3,444,000 | 5,111,000 |
| Noninterest expense | 6,094,000 | 11,949,000 | 17,698,000 | 24,145,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 810,000 | 2,503,000 | 4,652,000 | 6,912,000 |
| Income tax | 90,000 | 137,000 | 167,000 | 222,000 |
| Net income | 720,000 | 2,366,000 | 4,485,000 | 6,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,908,000 | 71,714,000 | 73,993,000 | 73,009,000 |
| Total capital | 77,955,000 | 79,891,000 | 82,521,000 | 81,043,000 |
| Risk-weighted assets | 641,308,000 | 651,798,000 | 680,128,000 | 640,134,000 |