Call reports 2025
FCNB BANK — 2025
What FCNB 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 | 203,030,000 | 206,413,000 | 211,248,000 | 208,453,000 |
| Total loans | 120,230,000 | 122,096,000 | 125,201,000 | 129,529,000 |
| Allowance for loan losses | 1,201,000 | 1,224,000 | 1,255,000 | 1,301,000 |
| Securities available for sale | 50,283,000 | 50,434,000 | 51,368,000 | 51,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,370,000 | 183,360,000 | 185,699,000 | 184,526,000 |
| Interest-bearing deposits | 113,569,000 | 114,681,000 | 117,913,000 | 118,649,000 |
| Noninterest-bearing deposits | 66,801,000 | 68,679,000 | 67,786,000 | 65,877,000 |
| Equity capital | 7,142,000 | 7,574,000 | 9,908,000 | 10,503,000 |
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 | 2,389,000 | 4,931,000 | 7,566,000 | 10,226,000 |
| Interest expense | 911,000 | 1,823,000 | 2,760,000 | 3,705,000 |
| Net interest income | 1,478,000 | 3,108,000 | 4,806,000 | 6,521,000 |
| Noninterest income | 921,000 | 1,625,000 | 2,294,000 | 3,002,000 |
| Noninterest expense | 2,054,000 | 4,114,000 | 6,273,000 | 8,422,000 |
| Provision for loan losses | 41,000 | 60,000 | 104,000 | 149,000 |
| Pretax income | 301,000 | 555,000 | 720,000 | 948,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 301,000 | 555,000 | 720,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,391,000 | 15,572,000 | 16,635,000 | 16,896,000 |
| Total capital | 16,602,000 | 16,807,000 | 17,901,000 | 18,208,000 |
| Risk-weighted assets | 156,653,000 | 158,842,000 | 160,572,000 | 162,763,000 |
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