Call reports 2005
FSNB, NATIONAL ASSOCIATION — 2005
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 266,451,000 | 271,860,000 | 277,645,000 | 273,452,000 |
| Total loans | 57,304,000 | 60,040,000 | 60,448,000 | 62,515,000 |
| Allowance for loan losses | 1,130,000 | 1,097,000 | 1,137,000 | 1,158,000 |
| Securities available for sale | 171,825,000 | 174,622,000 | 166,407,000 | 162,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,602,000 | 199,043,000 | 231,164,000 | 227,197,000 |
| Interest-bearing deposits | 197,826,000 | 186,904,000 | 217,056,000 | 212,439,000 |
| Noninterest-bearing deposits | 14,776,000 | 12,140,000 | 14,108,000 | 14,759,000 |
| Equity capital | 35,423,000 | 38,580,000 | 37,105,000 | 36,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,749,000 | 5,572,000 | 8,394,000 | 11,274,000 |
| Interest expense | 684,000 | 1,403,000 | 2,147,000 | 2,907,000 |
| Net interest income | 2,065,000 | 4,169,000 | 6,247,000 | 8,367,000 |
| Noninterest income | 6,132,000 | 12,809,000 | 19,353,000 | 26,327,000 |
| Noninterest expense | 5,879,000 | 11,789,000 | 18,215,000 | 24,527,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 2,212,000 | 4,947,000 | 7,023,000 | 9,777,000 |
| Income tax | 693,000 | 1,544,000 | 2,142,000 | 2,939,000 |
| Net income | 1,519,000 | 3,403,000 | 4,881,000 | 6,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,042,000 | 36,891,000 | 36,369,000 | 36,826,000 |
| Total capital | 39,402,000 | 41,219,000 | 40,705,000 | 41,175,000 |
| Risk-weighted assets | 102,459,000 | 105,448,000 | 120,963,000 | 115,070,000 |