Call reports 2025
FNBC BANK — 2025
What FNBC BANK 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 | 803,716,000 | 813,159,000 | 832,991,000 | 852,531,000 |
| Total loans | 559,592,000 | 564,945,000 | 584,445,000 | 602,881,000 |
| Allowance for loan losses | 10,627,000 | 10,764,000 | 11,082,000 | 11,451,000 |
| Securities available for sale | 200,676,000 | 205,477,000 | 204,861,000 | 201,602,000 |
| Securities held to maturity | 2,773,000 | 2,691,000 | 3,095,000 | 3,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 716,234,000 | 712,625,000 | 708,991,000 | 700,908,000 |
| Interest-bearing deposits | 539,335,000 | 527,477,000 | 529,483,000 | 526,044,000 |
| Noninterest-bearing deposits | 176,899,000 | 185,148,000 | 179,508,000 | 174,864,000 |
| Equity capital | 53,739,000 | 56,076,000 | 62,194,000 | 63,524,000 |
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 | 11,831,000 | 24,589,000 | 37,259,000 | 50,138,000 |
| Interest expense | 4,315,000 | 8,388,000 | 12,601,000 | 16,817,000 |
| Net interest income | 7,516,000 | 16,201,000 | 24,658,000 | 33,321,000 |
| Noninterest income | 1,097,000 | 2,848,000 | 4,028,000 | 5,254,000 |
| Noninterest expense | 6,305,000 | 13,206,000 | 19,499,000 | 25,984,000 |
| Provision for loan losses | 150,000 | 300,000 | 700,000 | 1,195,000 |
| Pretax income | 2,158,000 | 5,543,000 | 8,487,000 | 11,395,000 |
| Income tax | 45,000 | 75,000 | 105,000 | 270,000 |
| Net income | 2,113,000 | 5,468,000 | 8,382,000 | 11,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,282,000 | 77,798,000 | 79,372,000 | 78,290,000 |
| Total capital | 83,372,000 | 86,010,000 | 87,811,000 | 86,828,000 |
| Risk-weighted assets | 644,622,000 | 654,367,000 | 672,457,000 | 680,109,000 |