Call reports 2002
FSNB, NATIONAL ASSOCIATION — 2002
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 177,812,000 | 188,723,000 | 188,178,000 | 204,681,000 |
| Total loans | 45,506,000 | 47,323,000 | 49,591,000 | 47,763,000 |
| Allowance for loan losses | 1,044,000 | 1,013,000 | 1,042,000 | 1,091,000 |
| Securities available for sale | 108,741,000 | 121,664,000 | 116,121,000 | 125,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,971,000 | 142,589,000 | 145,120,000 | 164,915,000 |
| Interest-bearing deposits | 128,640,000 | 131,182,000 | 133,331,000 | 152,750,000 |
| Noninterest-bearing deposits | 14,331,000 | 11,406,000 | 11,790,000 | 12,166,000 |
| Equity capital | 27,195,000 | 28,929,000 | 30,486,000 | 31,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,278,000 | 4,856,000 | 7,412,000 | 9,883,000 |
| Interest expense | 741,000 | 1,470,000 | 2,190,000 | 2,836,000 |
| Net interest income | 1,537,000 | 3,386,000 | 5,222,000 | 7,047,000 |
| Noninterest income | 3,468,000 | 7,460,000 | 11,814,000 | 16,264,000 |
| Noninterest expense | 3,880,000 | 8,250,000 | 12,579,000 | 17,008,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,005,000 | 2,356,000 | 4,097,000 | 5,823,000 |
| Income tax | 300,000 | 729,000 | 1,301,000 | 1,868,000 |
| Net income | 705,000 | 1,627,000 | 2,796,000 | 3,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,435,000 | 27,031,000 | 28,200,000 | 29,359,000 |
| Total capital | 30,213,000 | 30,815,000 | 32,001,000 | 33,253,000 |
| Risk-weighted assets | 71,175,000 | 73,216,000 | 74,633,000 | 82,839,000 |