Call reports 2004
FSNB, NATIONAL ASSOCIATION — 2004
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 251,556,000 | 257,187,000 | 257,252,000 | 268,943,000 |
| Total loans | 55,574,000 | 57,618,000 | 58,307,000 | 55,665,000 |
| Allowance for loan losses | 1,051,000 | 1,036,000 | 1,082,000 | 1,115,000 |
| Securities available for sale | 164,947,000 | 166,013,000 | 163,530,000 | 163,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,111,000 | 195,958,000 | 200,557,000 | 222,850,000 |
| Interest-bearing deposits | 179,778,000 | 183,778,000 | 187,692,000 | 209,638,000 |
| Noninterest-bearing deposits | 12,333,000 | 12,180,000 | 12,865,000 | 13,212,000 |
| Equity capital | 33,430,000 | 32,782,000 | 35,538,000 | 35,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,552,000 | 5,021,000 | 7,550,000 | 10,224,000 |
| Interest expense | 660,000 | 1,332,000 | 2,008,000 | 2,687,000 |
| Net interest income | 1,892,000 | 3,689,000 | 5,542,000 | 7,537,000 |
| Noninterest income | 5,622,000 | 11,812,000 | 18,096,000 | 24,843,000 |
| Noninterest expense | 5,200,000 | 10,743,000 | 16,424,000 | 22,222,000 |
| Provision for loan losses | 120,000 | 246,000 | 366,000 | 486,000 |
| Pretax income | 2,194,000 | 4,598,000 | 6,934,000 | 9,758,000 |
| Income tax | 695,000 | 1,435,000 | 2,184,000 | 3,093,000 |
| Net income | 1,499,000 | 3,163,000 | 4,750,000 | 6,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,573,000 | 32,201,000 | 33,787,000 | 33,702,000 |
| Total capital | 34,711,000 | 36,324,000 | 37,956,000 | 37,904,000 |
| Risk-weighted assets | 98,011,000 | 97,646,000 | 98,741,000 | 112,850,000 |