Call reports 2003
FNNB BANK — 2003
What FNNB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 79,884,000 | 71,658,000 | 78,932,000 | 73,592,000 |
| Total loans | 31,446,000 | 33,328,000 | 33,572,000 | 32,883,000 |
| Allowance for loan losses | 308,000 | 309,000 | 308,000 | 288,000 |
| Securities available for sale | 26,221,000 | 28,246,000 | 26,070,000 | 28,923,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,734,000 | 62,612,000 | 69,387,000 | 64,364,000 |
| Interest-bearing deposits | 64,352,000 | 54,082,000 | 61,822,000 | 56,299,000 |
| Noninterest-bearing deposits | 7,382,000 | 8,530,000 | 7,565,000 | 8,065,000 |
| Equity capital | 6,189,000 | 6,141,000 | 6,160,000 | 5,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,569,000 | 2,323,000 | 3,078,000 |
| Interest expense | 231,000 | 444,000 | 640,000 | 832,000 |
| Net interest income | 553,000 | 1,125,000 | 1,683,000 | 2,246,000 |
| Noninterest income | 106,000 | 197,000 | 285,000 | 405,000 |
| Noninterest expense | 495,000 | 996,000 | 1,484,000 | 2,010,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 164,000 | 326,000 | 484,000 | 641,000 |
| Income tax | 6,000 | 17,000 | 25,000 | 31,000 |
| Net income | 158,000 | 309,000 | 459,000 | 610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,803,000 | 5,854,000 | 5,955,000 | 5,831,000 |
| Total capital | 6,111,000 | 6,163,000 | 6,263,000 | 6,119,000 |
| Risk-weighted assets | 35,396,000 | 34,876,000 | 36,986,000 | 36,066,000 |
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