<div id="readability-page-1"><div>Overview<ul><li>Bank holding company's Q4 net income declined yr/yr, impacted by higher credit loss provisions</li><li>Net interest income for Q4 increased, driven by net interest margin expansion</li><li>Company did not repurchase shares in Q4 despite active buyback program</li></ul>Outlook<ul><li>Company did not provide specific guidance for future quarters or full year in press release</li></ul>Result Drivers<ul><li>NET INTEREST INCOME - Driven by net interest margin expansion despite a slight decline from Q3</li><li>CREDIT LOSS PROVISIONS - Increased due to higher reserves on non-performing loans</li><li>DEPOSIT GROWTH - Supported new loan opportunities and reduced reliance on wholesale funding</li></ul>Key Details<div><table><tbody><tr><td>Metric</td><td>Beat/Miss</td><td>Actual</td><td>Consensus Estimate</td></tr><tr><td>Q4 Net Income</td><td></td><td>$1.66 mln</td><td></td></tr><tr><td>Q4 Net Interest Income</td><td></td><td>$6.46 mln</td><td></td></tr><tr><td>Q4 Net Interest Margin</td><td></td><td>3.55%</td><td></td></tr><tr><td>Q4 Pretax Profit</td><td></td><td>$2.19 mln</td><td></td></tr></tbody></table></div>Press Release: For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.</div></div>

NCPL

FNCL

FBNC

National Capital Bancorp reported a decline in Q4 net income year-over-year, primarily due to increased credit loss provisions. While net interest income rose, driven by an expanded net interest margin, the company did not repurchase shares during the quarter. The increase in credit loss provisions was attributed to higher reserves for non-performing loans. The bank experienced deposit growth, which supported new loan opportunities and reduced reliance on wholesale funding. No specific guidance for future quarters was provided in the press release.

National Capital Bancorp's Q4 profit falls on higher credit loss provisions