Call reports 2006
FSNB, NATIONAL ASSOCIATION — 2006
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 290,930,000 | 278,451,000 | 287,272,000 | 277,761,000 |
| Total loans | 61,381,000 | 65,232,000 | 69,294,000 | 73,489,000 |
| Allowance for loan losses | 867,000 | 965,000 | 980,000 | 967,000 |
| Securities available for sale | 157,755,000 | 157,690,000 | 154,750,000 | 149,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,002,000 | 230,958,000 | 236,482,000 | 227,323,000 |
| Interest-bearing deposits | 228,742,000 | 214,701,000 | 218,539,000 | 213,200,000 |
| Noninterest-bearing deposits | 15,261,000 | 16,257,000 | 17,942,000 | 14,123,000 |
| Equity capital | 38,083,000 | 38,479,000 | 40,913,000 | 41,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,968,000 | 6,022,000 | 9,169,000 | 12,486,000 |
| Interest expense | 746,000 | 1,537,000 | 2,369,000 | 3,210,000 |
| Net interest income | 2,222,000 | 4,485,000 | 6,800,000 | 9,276,000 |
| Noninterest income | 6,299,000 | 13,498,000 | 20,670,000 | 28,173,000 |
| Noninterest expense | 6,814,000 | 13,544,000 | 20,784,000 | 28,335,000 |
| Provision for loan losses | 120,000 | 364,000 | 484,000 | 614,000 |
| Pretax income | 1,587,000 | 4,060,000 | 6,218,000 | 8,647,000 |
| Income tax | 452,000 | 1,117,000 | 1,724,000 | 2,437,000 |
| Net income | 1,135,000 | 2,943,000 | 4,494,000 | 6,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,784,000 | 39,564,000 | 39,614,000 | 39,830,000 |
| Total capital | 41,378,000 | 43,240,000 | 43,296,000 | 43,489,000 |
| Risk-weighted assets | 139,395,000 | 120,810,000 | 136,957,000 | 130,007,000 |