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FCNCN • CIK 0000798941
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest Income (Expense), Net | $6,712,000 | $7,143,000 | $6,814,000 | $6,733,000 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $12,077,000 | $3,592,000 | $2,971,000 | $3,158,000 |
| Income Tax Expense (Benefit) | $611,000 | $815,000 | $765,000 | $804,000 |
| Net Income (Loss) Attributable to Parent | $11,466,000 | $2,777,000 | $2,206,000 | $2,354,000 |
| Preferred Stock Dividends, Income Statement Impact | $59,000 | $61,000 | $57,000 | $86,000 |
| Net Income (Loss) Available to Common Stockholders, Basic | $11,407,000 | $2,716,000 | $2,149,000 | $2,268,000 |
| Interest and Fee Income, Loans and Leases | $8,187,000 | $9,528,000 | $9,096,000 | $9,049,000 |
| Interest Income, Securities, Operating, Taxable | $648,000 | $1,347,000 | $1,690,000 | $1,642,000 |
| Interest and Dividend Income, Operating | $10,391,000 | $12,353,000 | $11,778,000 | $11,575,000 |
| Interest Expense, Deposits | $2,497,000 | $3,864,000 | $3,559,000 | $3,486,000 |
| Interest Expense, Borrowings | $1,182,000 | $1,346,000 | $1,405,000 | $1,356,000 |
| InterestExpenseOperating | — | $5,210,000 | $4,964,000 | $4,842,000 |
| Operating Lease, Lease Income | $971,000 | $1,048,000 | $1,096,000 | $1,115,000 |
| Debt Securities, Realized Gain (Loss) | — | $6,000 | $3,000 | $3,000 |
| Equity Securities, FV-NI, Gain (Loss) | $-11,000 | $13,000 | $22,000 | $43,000 |
| Gain (Loss) on Sale of Leased Assets, Net, Operating Leases | $20,000 | $30,000 | $30,000 | $42,000 |
| Business Combination, Bargain Purchase, Gain Recognized, Amount | $9,808,000 | $0 | $0 | $0 |
| Gain (Loss) on Extinguishment of Debt | $0 | $-2,000 | $-9,000 | $-24,000 |
| Noninterest Income, Other | $120,000 | $148,000 | $160,000 | $230,000 |
| Noninterest Income | $12,075,000 | $2,615,000 | $2,727,000 | $2,882,000 |
| Operating Leases, Income Statement, Depreciation Expense on Property Subject to or Held-for-lease | $371,000 | $394,000 | $398,000 | $402,000 |
| Direct Costs of Leased and Rented Property or Equipment | $222,000 | $219,000 | $244,000 | $263,000 |
| Labor and Related Expense | $2,636,000 | $3,078,000 | $3,294,000 | $3,379,000 |
| Occupancy, Net | $244,000 | $242,000 | $238,000 | $238,000 |
| Equipment Expense | $422,000 | $504,000 | $555,000 | $565,000 |
| Professional Fees | $73,000 | $121,000 | $115,000 | $110,000 |
| Federal Deposit Insurance Corporation Premium Expense | $158,000 | $138,000 | $141,000 | $142,000 |
| Marketing Expense | $102,000 | $76,000 | $142,000 | $153,000 |
| Business Combination, Acquisition Related Costs | $470,000 | $210,000 | $141,000 | $74,000 |
| Amortization of Intangible Assets | $57,000 | $63,000 | $54,000 | $50,000 |
| Other Noninterest Expense | $377,000 | $460,000 | $466,000 | $439,000 |
| Noninterest Expense | $5,335,000 | $5,735,000 | $6,056,000 | $6,150,000 |
| Weighted Average Number of Shares Outstanding, Basic | 14,527,902 | 14,341,872 | 13,002,455 | 11,326,431 |
| Weighted Average Number of Shares Outstanding, Diluted | 14,539,613 | 14,342,655 | 13,002,455 | 11,326,431 |
| Revenues | — | $9,758,000 | $9,541,000 | $9,615,000 |
| Interest Expense | $3,679,000 | — | — | $4,585,000 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Liabilities and Equity | $213,758,000 | $223,720,000 | $229,698,000 | $236,842,000 |
| Cash and Due from Banks | $908,000 | $814,000 | $801,000 | $1,519,000 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $33,609,000 | $21,364,000 | $19,801,000 | $21,132,000 |
| Securities Purchased under Agreements to Resell | $473,000 | $158,000 | $232,000 | $737,000 |
| EquitySecuritiesFvNiCurrentAndNoncurrent | $84,000 | $101,000 | $127,000 | $156,000 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $19,936,000 | $33,750,000 | $31,790,000 | $33,983,000 |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss | $9,979,000 | $10,239,000 | $9,647,000 | $9,418,000 |
| Assets Held-for-sale, Not Part of Disposal Group | — | — | $804,000 | $93,000 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $133,302,000 | $140,221,000 | $147,930,000 | $151,034,000 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $1,747,000 | $1,676,000 | $1,566,000 | $1,484,000 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $131,555,000 | $138,545,000 | $146,364,000 | $149,550,000 |
| Property Subject to or Available for Operating Lease, Net | $8,746,000 | $9,323,000 | $9,621,000 | $9,755,000 |
| Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization | — | $2,006,000 | $2,447,000 | $2,523,000 |
| Goodwill | $346,000 | $346,000 | $346,000 | $346,000 |
| Intangible Assets, Net (Excluding Goodwill) | $312,000 | $249,000 | $195,000 | $171,000 |
| Other Assets | $5,857,000 | $6,740,000 | $7,523,000 | $7,459,000 |
| Other Liabilities | $7,906,000 | $8,196,000 | $8,726,000 | $7,988,000 |
| Liabilities | $192,503,000 | $201,492,000 | $207,460,000 | $214,942,000 |
| Preferred Stock, Value, Issued | $881,000 | $881,000 | $1,375,000 | $1,765,000 |
| Additional Paid in Capital | $4,108,000 | $2,417,000 | $0 | $0 |
| Retained Earnings (Accumulated Deficit) | $16,742,000 | $19,361,000 | $20,768,000 | $20,354,000 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-491,000 | $-445,000 | $83,000 | $-230,000 |
| Stockholders' Equity Attributable to Parent | $21,255,000 | $22,228,000 | $22,238,000 | $21,900,000 |
| Noninterest-bearing Deposit Liabilities | $39,799,000 | $38,633,000 | $40,653,000 | $42,475,000 |
| Interest-bearing Deposit Liabilities | $106,055,000 | $116,596,000 | $120,925,000 | $130,952,000 |
| Deposits | $145,854,000 | $155,229,000 | $161,578,000 | $173,427,000 |
| Short-term Debt | $485,000 | $367,000 | $224,000 | $152,000 |
| Long-term Debt | $37,169,000 | $36,684,000 | $35,784,000 | $32,036,000 |
| Debt, Long-term and Short-term, Combined Amount | $37,654,000 | $37,051,000 | $36,008,000 | $32,188,000 |
| Equity Securities, FV-NI, Cost | $75,000 | $79,000 | $83,000 | $95,000 |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss | $20,688,000 | $34,512,000 | $31,952,000 | $34,510,000 |
| Debt Securities, Held-to-maturity, Fair Value | $8,503,000 | $8,702,000 | $8,491,000 | $8,214,000 |
| Preferred Stock, Shares Authorized | 20,000,000 | 20,000,000 | 20,000,000 | 20,000,000 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $11,466,000 | $2,777,000 | $2,206,000 | $2,354,000 |
| Net Cash Provided by (Used in) Operating Activities | $2,660,000 | $2,988,000 | $2,923,000 | $3,181,000 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $390,000 | $-94,000 | $-13,000 | $630,000 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $908,000 | $814,000 | $801,000 | $1,069,000 |
| Provision for Loan, Lease, and Other Losses | $1,375,000 | $431,000 | $514,000 | $307,000 |
| Proceeds from (Payments for) in Interest-bearing Deposits in Banks | $5,416,000 | $12,245,000 | $1,563,000 | $5,052,000 |
| Deferred Income Tax Expense (Benefit) | $-165,000 | $6,000 | $-111,000 | $42,000 |
| Payments to Acquire Marketable Securities | $0 | $6,000 | $5,000 | $5,000 |
| Depreciation, Amortization and Accretion, Net | $-57,000 | $130,000 | $405,000 | $548,000 |
| ProceedsFromSaleOfEquitySecuritiesFvNi | $0 | $15,000 | $1,000 | $1,000 |
| Share-based Payment Arrangement, Noncash Expense | $5,000 | $0 | $0 | $0 |
| Payments to Acquire Debt Securities, Available-for-sale | $12,839,000 | $22,490,000 | $13,969,000 | $19,744,000 |
| Debt Securities, Realized Gain (Loss) | — | $6,000 | $3,000 | $3,000 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $2,084,000 | $7,445,000 | $12,989,000 | $12,823,000 |
| Equity Securities, FV-NI, Gain (Loss) | $-11,000 | $13,000 | $22,000 | $43,000 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $495,000 | $1,493,000 | $3,817,000 | $6,048,000 |
| Gain (Loss) on Sales of Loans, Net | $-2,000 | $7,000 | $21,000 | $25,000 |
| Payments to Acquire Held-to-maturity Securities | $213,000 | $792,000 | $389,000 | $271,000 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $545,000 | $562,000 | $1,010,000 | $1,069,000 |
| Gains (Losses) on Sales of Other Real Estate | $4,000 | $7,000 | $2,000 | $11,000 |
| Proceeds from (Payments for) Securities Purchased under Agreements to Resell | — | $315,000 | $-74,000 | $-437,000 |
| Business Combination, Bargain Purchase, Gain Recognized, Amount | $9,808,000 | $0 | $0 | $0 |
| Payments for (Proceeds from) Loans and Leases | $-6,057,000 | $7,484,000 | $9,111,000 | $11,759,000 |
| Gain (Loss) on Extinguishment of Debt | $0 | $-2,000 | $-9,000 | $-24,000 |
| Proceeds from Sale of Loans Receivable | $317,000 | $354,000 | $399,000 | $1,518,000 |
| Increase (Decrease) in Assets Held-for-sale | $740,000 | $1,078,000 | $1,401,000 | $1,404,000 |
| Proceeds from Sale of Loans Held-for-sale | $693,000 | $1,289,000 | $1,553,000 | $1,693,000 |
| Payments to Acquire Equipment on Lease | $1,023,000 | $1,106,000 | $852,000 | $849,000 |
| Increase (Decrease) in Other Operating Assets | $-206,000 | $495,000 | $282,000 | $224,000 |
| Payments to Acquire Property, Plant, and Equipment | $405,000 | $429,000 | $710,000 | $724,000 |
| Increase (Decrease) in Other Operating Liabilities | $-379,000 | $-34,000 | $170,000 | $13,000 |
| Other Operating Activities, Cash Flow Statement | $-21,000 | $1,000 | $-68,000 | $-50,000 |
| Cash Acquired from Acquisition | $810,000 | $0 | $0 | $0 |
| Proceeds from Life Insurance Policy | $1,094,000 | $0 | $0 | $0 |
| Payments for (Proceeds from) Other Investing Activities | $-208,000 | $473,000 | $806,000 | $801,000 |
| Net Cash Provided by (Used in) Investing Activities | $2,429,000 | $-10,155,000 | $-5,611,000 | $-7,461,000 |
| Increase (Decrease) in Time Deposits | $5,634,000 | $-3,169,000 | $-2,015,000 | $3,886,000 |
| Proceeds from (Payments for) in Securities Sold under Agreements to Repurchase | $39,000 | $-118,000 | $-143,000 | $-319,000 |
| Repayments of Short-term Debt | $2,250,000 | $0 | $0 | $0 |
| Proceeds from Short-term Debt | $500,000 | $0 | $0 | $0 |
| Repayments of Long-term Debt | $13,120,000 | $450,000 | $2,850,000 | $7,503,000 |
| Proceeds from Issuance of Long-term Debt | $9,991,000 | $0 | $1,838,000 | $1,840,000 |
| Proceeds from Issuance of Preferred Stock and Preference Stock | — | — | $494,000 | $884,000 |
| Payments for Repurchase of Common Stock | $0 | $1,648,000 | $3,027,000 | $3,301,000 |
| Payments of Dividends | $117,000 | $158,000 | $161,000 | $185,000 |
| Proceeds from (Payments for) Other Financing Activities | $-7,000 | $-14,000 | $0 | $-1,000 |
| Net Cash Provided by (Used in) Financing Activities | $-4,699,000 | $7,073,000 | $2,675,000 | $4,910,000 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $3,686,000 | $5,079,000 | $4,810,000 | $4,651,000 |
| Income Taxes Paid, Net | $514,000 | $763,000 | $315,000 | $312,000 |
| Real Estate Owned, Transfer to Real Estate Owned | $20,000 | — | $86,000 | $47,000 |
| Noncash or Part Noncash Acquisition, Debt Assumed | $35,808,000 | $0 | $0 | $0 |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | $-26,000 | $0 | $2,000 | $3,000 |