Call reports 2009
FSNB, NATIONAL ASSOCIATION — 2009
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 308,998,000 | 328,820,000 | 347,650,000 | 337,918,000 |
| Total loans | 82,346,000 | 83,371,000 | 80,144,000 | 71,428,000 |
| Allowance for loan losses | 1,984,000 | 2,137,000 | 2,220,000 | 2,331,000 |
| Securities available for sale | 165,415,000 | 182,353,000 | 206,042,000 | 203,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,777,000 | 236,279,000 | 240,408,000 | 272,898,000 |
| Interest-bearing deposits | 230,244,000 | 223,618,000 | 226,871,000 | 259,808,000 |
| Noninterest-bearing deposits | 15,533,000 | 12,661,000 | 13,538,000 | 13,090,000 |
| Equity capital | 43,212,000 | 44,452,000 | 48,464,000 | 46,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,413,000 | 6,883,000 | 10,560,000 | 14,284,000 |
| Interest expense | 480,000 | 977,000 | 1,453,000 | 1,935,000 |
| Net interest income | 2,933,000 | 5,906,000 | 9,107,000 | 12,349,000 |
| Noninterest income | 11,431,000 | 23,144,000 | 36,468,000 | 48,341,000 |
| Noninterest expense | 11,071,000 | 22,629,000 | 33,693,000 | 44,733,000 |
| Provision for loan losses | 1,494,000 | 2,678,000 | 5,291,000 | 6,376,000 |
| Pretax income | 1,799,000 | 3,755,000 | 6,591,000 | 9,586,000 |
| Income tax | 526,000 | 1,022,000 | 1,890,000 | 2,818,000 |
| Net income | 1,273,000 | 2,733,000 | 4,701,000 | 6,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,935,000 | 47,015,000 | 48,013,000 | 47,125,000 |
| Total capital | 49,770,000 | 51,917,000 | 52,904,000 | 51,927,000 |
| Risk-weighted assets | 157,888,000 | 164,333,000 | 163,726,000 | 156,651,000 |