Call reports 2014
FSNB, NATIONAL ASSOCIATION — 2014
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 395,991,000 | 394,147,000 | 384,875,000 | 365,055,000 |
| Total loans | 102,480,000 | 109,105,000 | 110,755,000 | 108,926,000 |
| Allowance for loan losses | 3,368,000 | 2,123,000 | 2,179,000 | 2,146,000 |
| Securities available for sale | 194,238,000 | 164,858,000 | 157,073,000 | 127,622,000 |
| Securities held to maturity | 17,210,000 | 40,144,000 | 39,752,000 | 39,551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,212,000 | 285,789,000 | 282,993,000 | 306,578,000 |
| Interest-bearing deposits | 286,482,000 | 273,168,000 | 269,441,000 | 292,097,000 |
| Noninterest-bearing deposits | 14,730,000 | 12,621,000 | 13,552,000 | 14,481,000 |
| Equity capital | 42,659,000 | 46,972,000 | 48,280,000 | 48,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,402,000 | 4,873,000 | 7,275,000 | 9,713,000 |
| Interest expense | 283,000 | 558,000 | 801,000 | 1,027,000 |
| Net interest income | 2,119,000 | 4,315,000 | 6,474,000 | 8,686,000 |
| Noninterest income | 13,698,000 | 28,984,000 | 44,622,000 | 61,051,000 |
| Noninterest expense | 12,623,000 | 27,300,000 | 38,649,000 | 50,070,000 |
| Provision for loan losses | 1,296,000 | 1,872,000 | 4,130,000 | 6,235,000 |
| Pretax income | 1,902,000 | 4,160,000 | 8,336,000 | 14,654,000 |
| Income tax | -33,000 | -33,000 | -33,000 | -44,000 |
| Net income | 1,935,000 | 4,193,000 | 7,077,000 | 13,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,809,000 | 44,480,000 | 45,306,000 | 46,761,000 |
| Total capital | 43,029,000 | 46,603,000 | 47,485,000 | 48,887,000 |
| Risk-weighted assets | 176,450,000 | 181,692,000 | 179,226,000 | 170,114,000 |