Call reports 2008
FSNB, NATIONAL ASSOCIATION — 2008
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 279,381,000 | 296,229,000 | 288,788,000 | 295,097,000 |
| Total loans | 84,354,000 | 85,170,000 | 84,486,000 | 81,635,000 |
| Allowance for loan losses | 1,839,000 | 1,920,000 | 1,963,000 | 1,967,000 |
| Securities available for sale | 142,350,000 | 157,032,000 | 147,528,000 | 152,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,587,000 | 219,240,000 | 217,934,000 | 242,293,000 |
| Interest-bearing deposits | 206,721,000 | 202,840,000 | 204,525,000 | 228,687,000 |
| Noninterest-bearing deposits | 12,866,000 | 16,399,000 | 13,409,000 | 13,606,000 |
| Equity capital | 45,429,000 | 44,852,000 | 42,525,000 | 42,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,464,000 | 7,001,000 | 10,573,000 | 14,143,000 |
| Interest expense | 712,000 | 1,298,000 | 1,892,000 | 2,388,000 |
| Net interest income | 2,752,000 | 5,703,000 | 8,681,000 | 11,755,000 |
| Noninterest income | 10,007,000 | 21,164,000 | 32,740,000 | 44,767,000 |
| Noninterest expense | 9,647,000 | 20,870,000 | 32,469,000 | 43,777,000 |
| Provision for loan losses | 1,373,000 | 2,655,000 | 4,544,000 | 6,430,000 |
| Pretax income | 1,739,000 | 3,342,000 | 4,408,000 | 6,315,000 |
| Income tax | 509,000 | 734,000 | 948,000 | 1,438,000 |
| Net income | 1,230,000 | 2,608,000 | 3,460,000 | 4,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,849,000 | 45,199,000 | 44,550,000 | 44,245,000 |
| Total capital | 48,372,000 | 49,733,000 | 49,102,000 | 48,953,000 |
| Risk-weighted assets | 137,537,000 | 141,406,000 | 143,526,000 | 156,476,000 |