Call reports 2013
FSNB, NATIONAL ASSOCIATION — 2013
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 395,546,000 | 397,553,000 | 393,574,000 | 394,950,000 |
| Total loans | 58,638,000 | 74,944,000 | 88,782,000 | 101,859,000 |
| Allowance for loan losses | 2,871,000 | 3,060,000 | 3,153,000 | 3,276,000 |
| Securities available for sale | 253,701,000 | 242,275,000 | 222,717,000 | 207,138,000 |
| Securities held to maturity | 7,503,000 | 7,505,000 | 7,506,000 | 7,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,713,000 | 293,452,000 | 280,067,000 | 297,684,000 |
| Interest-bearing deposits | 287,784,000 | 276,845,000 | 265,192,000 | 282,284,000 |
| Noninterest-bearing deposits | 12,929,000 | 16,607,000 | 14,875,000 | 15,400,000 |
| Equity capital | 40,208,000 | 34,914,000 | 35,150,000 | 37,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,431,000 | 4,585,000 | 6,928,000 | 9,597,000 |
| Interest expense | 353,000 | 695,000 | 997,000 | 1,298,000 |
| Net interest income | 2,078,000 | 3,890,000 | 5,931,000 | 8,299,000 |
| Noninterest income | 13,336,000 | 27,545,000 | 42,871,000 | 57,440,000 |
| Noninterest expense | 12,315,000 | 24,783,000 | 38,094,000 | 50,748,000 |
| Provision for loan losses | 1,245,000 | 2,875,000 | 5,068,000 | 6,935,000 |
| Pretax income | 1,830,000 | 3,678,000 | 5,504,000 | 9,522,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 1,830,000 | 3,678,000 | 5,503,000 | 7,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,981,000 | 38,629,000 | 39,255,000 | 40,053,000 |
| Total capital | 39,866,000 | 40,638,000 | 41,369,000 | 42,271,000 |
| Risk-weighted assets | 149,819,000 | 159,685,000 | 168,122,000 | 176,374,000 |