Call reports 2003
FSNB, NATIONAL ASSOCIATION — 2003
What FSNB, NATIONAL ASSOCIATION 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 | 209,568,000 | 223,718,000 | 245,660,000 | 245,099,000 |
| Total loans | 50,389,000 | 53,494,000 | 55,502,000 | 54,001,000 |
| Allowance for loan losses | 1,080,000 | 1,000,000 | 1,027,000 | 1,041,000 |
| Securities available for sale | 130,340,000 | 137,495,000 | 157,462,000 | 157,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,819,000 | 185,609,000 | 187,591,000 | 201,705,000 |
| Interest-bearing deposits | 156,973,000 | 173,230,000 | 174,892,000 | 188,271,000 |
| Noninterest-bearing deposits | 11,846,000 | 12,378,000 | 12,698,000 | 13,434,000 |
| Equity capital | 31,362,000 | 29,895,000 | 31,346,000 | 30,667,000 |
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 | 2,358,000 | 4,433,000 | 6,551,000 | 8,895,000 |
| Interest expense | 588,000 | 1,236,000 | 1,911,000 | 2,575,000 |
| Net interest income | 1,770,000 | 3,197,000 | 4,640,000 | 6,320,000 |
| Noninterest income | 4,172,000 | 8,702,000 | 14,032,000 | 19,866,000 |
| Noninterest expense | 4,612,000 | 9,758,000 | 14,660,000 | 19,723,000 |
| Provision for loan losses | 120,000 | 222,000 | 342,000 | 462,000 |
| Pretax income | 1,210,000 | 1,919,000 | 3,670,000 | 6,025,000 |
| Income tax | 375,000 | 538,000 | 1,089,000 | 1,854,000 |
| Net income | 835,000 | 1,381,000 | 2,581,000 | 4,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,703,000 | 28,464,000 | 29,665,000 | 29,254,000 |
| Total capital | 33,752,000 | 32,425,000 | 33,635,000 | 33,238,000 |
| Risk-weighted assets | 83,370,000 | 90,714,000 | 93,664,000 | 92,636,000 |