Call reports 2007
FSNB, NATIONAL ASSOCIATION — 2007
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 300,944,000 | 286,408,000 | 265,329,000 | 275,731,000 |
| Total loans | 75,679,000 | 81,670,000 | 85,516,000 | 84,508,000 |
| Allowance for loan losses | 963,000 | 2,813,000 | 1,839,000 | 1,783,000 |
| Securities available for sale | 142,818,000 | 140,673,000 | 138,911,000 | 139,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,394,000 | 234,167,000 | 212,026,000 | 223,743,000 |
| Interest-bearing deposits | 232,232,000 | 220,104,000 | 199,390,000 | 210,650,000 |
| Noninterest-bearing deposits | 16,161,000 | 14,063,000 | 12,636,000 | 13,094,000 |
| Equity capital | 42,759,000 | 43,166,000 | 43,716,000 | 44,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,378,000 | 6,891,000 | 10,378,000 | 14,225,000 |
| Interest expense | 838,000 | 1,698,000 | 2,571,000 | 3,445,000 |
| Net interest income | 2,540,000 | 5,193,000 | 7,807,000 | 10,780,000 |
| Noninterest income | 7,630,000 | 16,267,000 | 26,505,000 | 37,082,000 |
| Noninterest expense | 7,789,000 | 15,344,000 | 24,149,000 | 33,319,000 |
| Provision for loan losses | 160,000 | 2,381,000 | 4,064,000 | 5,632,000 |
| Pretax income | 2,217,000 | 3,734,000 | 6,098,000 | 8,919,000 |
| Income tax | 639,000 | 766,000 | 1,478,000 | 2,322,000 |
| Net income | 1,578,000 | 2,968,000 | 4,620,000 | 6,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,266,000 | 42,626,000 | 42,279,000 | 42,756,000 |
| Total capital | 44,921,000 | 47,236,000 | 46,624,000 | 47,169,000 |
| Risk-weighted assets | 160,775,000 | 152,580,000 | 131,754,000 | 137,583,000 |